Enjoy Real Savings, Local Care, and Exclusive Member Perks
When you join Mohawk Valley Federal Credit Union, you aren't just an account holder; you're a member-owner. That means your financial well-being comes first. Beyond lower loan rates and fewer fees, membership gives you access to valuable discounts, insurance coverage, and lifestyle perks designed to keep more money in your pocket.
The Credit Union Difference
Member-owned, Community-driven, and Focused on You
Unlike traditional commercial banks that operate to make a profit for stockholders, Mohawk Valley FCU is a non-profit financial cooperative owned directly by our members.
Earnings Returned to You: We return our earnings to you in the form of higher yields on savings, lower interest rates on loans, and reduced service fees.
Local Decision-Making: All lending and operational decisions are made right here in the Mohawk Valley by team members who live and work in your community.
Democratically Governed: Every member has a voice and an equal vote in electing our volunteer Board of Directors.
Love My Credit Union Rewards
Exclusive National Discounts on Services You Use Every Day
Through our partnership with Love My Credit Union Rewards, members get access to exclusive savings from popular national brands and essential services:
Defensive Driving Course Discounts: Save on New York State-approved Defensive Driving courses through our partnership with the New York Safety Council. Refresh your driving skills, reduce up to 4 points on your driving record, and receive a 10% auto insurance discount!
Tax Preparation Savings: Enjoy discounts on leading tax preparation software like TurboTax® and H&R Block®.
Travel & Hotel Discounts: Access member-only pricing on rental cars, hotel stays, and vacation packages.
Mobile & Tech Savings: Save on mobile phone plans, accessories, and home services.
Accidental Death & Dismemberment (AD&D) Insurance
Complimentary Peace of Mind Protection for Eligible Members
We believe in protecting what matters most to you and your family. As a benefit of membership, eligible Mohawk Valley FCU members can receive complimentary Accidental Death & Dismemberment (AD&D) Insurance coverage provided through our trusted insurance partners at National Income Life Insurance Company (NILIFE).
Basic Coverage Included: Enjoy base AD&D coverage of $4,000 at no cost as a credit union member benefit.
Voluntary Additional Coverage: Elect to increase your coverage limits for yourself and your family at affordable group rates.
No Medical Exams Required: Quick enrollment with guaranteed acceptance for eligible members.
Additional Benefits
Health Services Discount Cards which provide point of service discounts of up to 60% on Vision Care, Dental Care, Prescriptions, and Hearing Care, at an annual fee of $6 for your household.
Legacy Will Kit available to all members.
Child Safe Kits - this valuable tool can provide information to authorities, if your child your grandchild ever goes missing.
Contact National Life Public Relations & Marketing Representative: David Scalisi at (315) 345-8425 or djscalisi@nilife.com