Mountain Valley Federal Credit Union is a unique kind of financial self-help, non-profit institution organized in 1963 by the employees of Peru Central School. On December 21, 2015, NCUA (National Credit Union Administration) approved Mountain Valley (Peru) Federal Credit Union’s request to become a community charter credit union. We are very pleased to announce that with this new expansion, our community charter service will now include Clinton County and Essex County. This allows our credit union to provide our superior services to anyone who lives, works, worships, and volunteers or attends school in Clinton or Essex County, New York. Over the years, Mountain Valley Federal Credit Union has built a unique, trust-based relationship with our members and we are eager to bring our philosophy of ‘People Helping People’ to everyone in Clinton and Essex Counties. Our staff and Board of Directors strive to uphold that philosophy every single day.
Being a non-profit organization allows the Credit Union to offer higher dividends on savings and lower rates on loans.
The dedicated staff is trained in providing personalized service to each member and is always willing to go the extra mile to ensure members are well taken care of and happy.
Bauer Financial has given the Mountain Valley (Peru) Federal Credit Union numerous 5 Star ratings.
It is our ongoing goal to serve the membership of the Credit Union in the best possible way and to maintain competitive dividend and loan rates while looking into new services for our members.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154