Mountain Valley

PO Box 565, Peru, NY 12972

NCUA Insured3.9 (21 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Peru, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1963

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO Box 565

Peru, NY 12972

Google Maps 🗺Waze

(518) 643-9915

Service Area

This credit union is located in Peru and serves members in the NY area. Currently serving 4,786 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q1 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.59%

Used Auto Loan

6.89%

Personal Loan

11.04%

Important: Rates are sourced from NCUA call report filings (Q1 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q1 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations

Branch information not available for this credit union.

Member Reviews

3.9

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

K Clark

5 months ago

Just walked out of AmeriCU, 6 people working at minimum, 3 people in line and the cashier's are too busy to help anyone. This company took over our wonderful credit union and everything has been screwed up ever since the changeover. Our cards expire Monday, and the new ones haven't been sent! There is "NO customer service" here just workers ignoring the customers who make their jobs possible. Oh yeah, to the couple in the Bronco who had to rush ahead of me to be first in line, HA HA!

Anonymous

5 months ago

Since it merged with AmeriCU Credit Union, the bank formerly known as Mountain Valley Federal Credit Union has been unable to perform the minimal functions a customer reasonably would expect from a bank. The irony of the situation is that the merger with the larger credit union, AmeriCU Credit Union, was sold to members of the smaller credit union, Mountain Valley Federal Credit Union, as a means of providing a wider range of services.

Jaime Thwaits

a year ago

I can’t say enough good things about Maggie at Mountain Valley Federal Credit Union! She consistently goes above and beyond to help me with whatever I need. Most recently, she helped me secure financing for a new car when I truly thought it wouldn’t be possible. Her kindness, patience, and expertise made the entire process seamless and stress-free. Maggie genuinely cares about her clients, and it shows in everything she does. Thank you!!! 😊

ddcalny

a year ago

I've been using this Credit Union since the 90's and they have always been a pleasure to do business with. Most recently we applied for an auto loan, and it went incredibly smooth! I would highly recommend!

Kelsey Holzer

a year ago

Amy Pellerin, Director of Mortgage Lending has gone above and beyond for my husband and I as we purchased a new vehicle and refinanced another! She had great communication with us both, she worked fast and was very helpful during the process!