Your future feels like home.
Buy, refinance or borrow with confidence.
Buy it. Refinance it. Or make it your own.
A home isn’t just something you find, it’s something you shape over time. Cross Valley gives you the flexibility to take the home you have—or the one you want—and turn it into what’s next.
Buying a Home?
Lock in a mortgage that fits your budget—even in a changing market.
Refinancing?
Secure a lower rate, reduce your monthly payment or tap into your home's value.
Using Home Equity?
Fund renovations, consolidate debt or take on what's next with a smart, affordable loan.
Let's get started with your next move.
“No two home loans are the same—because no two lives are. We’ll walk through your options together and shape a mortgage or equity plan that fits your budget, your timing, and your goals—clear, simple, and built around you.”
Home lending solutions built for Opportunity.
Mortgages + Refinancing
Up to $500.00 off closing costs¹
Find your way home with Cross Valley.
More homes. Better rates. Fresh opportunity. Maybe it’s your first place. Maybe it’s time to refinance and breathe a little easier each month. Wherever you’re headed, Cross Valley brings flexible mortgage options and local guidance you can trust—so every step forward feels like the right one.
- Up to $500 off closing costs¹
- Competitive rates for today’s market
- Personalized support from a local team
- $150 gift card from The Home Depot®³
Home Equity Loans
5.00% APR² for 15 years
You don’t have to move to move forward.
With a fixed-rate Home Equity Loan, you can use the value you’ve built to take on what’s next, whether that’s a renovation, debt consolidation or a major life expense. It’s your home. Let it work for you.
- Fixed rates as low as 5.00% APR²
- Terms up to 15 years
- No need to refinance your first mortgage
- $150 gift card from The Home Depot®³
- A home equity loan allows homeowners to borrow against the equity in their home. It provides a lump sum of money that is repaid over time with fixed monthly payments, typically at a fixed interest rate.
- The loan amount depends on the home's value, the amount of equity available, and the lender's loan-to-value (LTV) ratio requirements. At Cross Valley, we allow borrowing up to 133%⁴ of the home's equity.
- A home equity loan provides a one-time lump sum with a fixed repayment term, while a home equity line of credit (HELOC) is a revolving credit line that allows borrowing as needed, usually with a variable interest rate. Give us a call today to discuss your options with home lending expert.
- A mortgage rate with "0 points" means you’re not paying discount points upfront to lower your interest rate. Discount points are fees paid at closing, typically 1% of the loan amount per point, to reduce the interest rate. A "no points" loan usually has a slightly higher interest rate but lower upfront costs, making it ideal for buyers who want to minimize out-of-pocket expenses at closing rather than securing the lowest possible rate. And in case you were wondering, our mortgage rates come with no points!
The process is simple:
1
Complete the online application, give us a call at (570) 823-6836, or stop by one of our six branch locations.
2
If you’re not already a member, we’ll get that taken care of while your loan is being processed.
3
Close on your Home Equity Loan or Line of Credit at any one of our six branches. That's it, you're done!
“We have worked with this bank (the same wonderful woman) for years. She has helped us refinance our home loan twice, has given us helpful information and was completely professional while still being friendly.”
Cross Valley FCU Member
Up to $500.00 off Closing Costs: Eligible borrowers will receive a lender credit of up to $500.00, applied at closing and reflected on the closing disclosure. Offer valid only on first mortgages financed through Cross Valley Federal Credit Union. No cash value. Offer is void if the transaction is rescinded. All loans subject to credit approval. Limited‑time offer; terms and conditions may change without notice. Federally insured by NCUA. Equal Housing Opportunity. Contact the credit union for complete details. NMLS #808487.
Home Equity Loan: APR = Annual Percentage Rate. Offer available for a limited time and subject to change without notice. A 5.00% APR applies to fixed-rate Home Equity Loans with a maximum 15-year term on loan requests of $10,000 or more for new money on first-lien positions with a minimum credit score of 600. The floor rate for second-lien loans is 6.00% APR. Payment example: A $25,000 loan at 5.00% APR for 15 years results in 180 monthly payments of approximately $197.77. Loan approval subject to creditworthiness, income verification, property valuation, and other underwriting criteria. Additional terms may apply. Membership required. Equal Housing Opportunity. Contact the credit union for full details. NMLS #808487.
$150 Gift Card from The Home Depot: Limited‑time offer available on qualifying mortgage and home equity loans that close during the promotional period. Borrower will receive a $150 Home Depot® gift card at closing. Membership eligibility required. Offer subject to change or cancellation without notice. Home Depot® is not affiliated with, endorsing, or sponsoring this promotion.
Borrow up to 133% LTV: LTV=Loan-to-value. APRs are as low as the rates advertised above. Advertised rates apply to LTVs up to 80%; higher LTVs will result in a higher rate. Members may borrow up to 133% maximum loan to value (LTV) without first mortgage. The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Consult your tax advisor for tax-deductible eligibility. Contact credit union for full loan details. If you obtain this loan, Cross Valley Federal Credit Union, the lender, will have a mortgage on your home. You could lose your home and any money you put into it if you do not meet your obligations under the loan. NMLS#808487
