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Mountain Valley Federal Credit Union

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Mountain Valley Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mountain Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

You can compare Mountain Valley Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 0.40% and 3-month share certificate rates at 1.41%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.27%. All these rates can be compared to Mountain Valley Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Mountain Valley Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.29%. Rates were last updated on 04/18/2026.

Mountain Valley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mountain Valley Federal Credit Union? Share your experience about Mountain Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mountain Valley Federal Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.29%

Good Higher than avg

Mountain Valley Federal Credit Union
Mountain Valley Federal Credit Union

700 Bear Swamp Rd
Peru, NY 12972

https://www.mountainvalleyfcu.com

Mountain Valley Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Rate Checking	-	7.00%
Details Qualifications Required; Qualifying balance up to $10,000.00 Last Updated 04/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mountain Valley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Mountain Valley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mountain Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mountain Valley Federal Credit Union

Website https://www.mountainvalleyfcu.com

Address 700 Bear Swamp Rd, Peru, NY 12972

Phone 518-643-9915

Fax 518-643-8903

President Kathleen Roach

CEO Maggie Pope

Full-Time Employees 16

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

16.29%

Return on Assets (ROA)

-0.9897%

Return on Equity (ROE)

-13.9717%

Non-Performing Loans Ratio (NPL)

1.59%

Total Assets

57,530,535

Total Amount of Shares and Deposits

53,008,760

Total Shares and Deposits < 1 Year

42,656,963

Total Shares and Deposits 1 3 Years

7,367,797

Total Shares and Deposits > 3 Years

2,984,000

Total Insured Shares and Deposits > $250K (item 17 less item K)

53,008,760

Total Interest Expense (Sum of items 6 8)

422,512

Share Certificates

101

Number of Accounts for Share Drafts

2,565

Number of Accounts for Regular Shares

4,611

All other shares

526

Non Member Deposits

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,504,413

Total Liabilities

53,455,268

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Mountain Valley Federal Credit Union

Is Mountain Valley Federal Credit Union a safe place to deposit money?

Yes, Mountain Valley Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 16.291104361996%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Mountain Valley Federal Credit Union operate?

Mountain Valley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Mountain Valley Federal Credit Union?

Yes, to access services at Mountain Valley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Mountain Valley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mountain Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mountain Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Mountain Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mountainvalleyfcu.com.