Bank Securely With MVFCU
Building a financial safety net or planning for long-term wealth shouldn't be complicated. At Mohawk Valley Federal Credit Union, we offer safe, federally insured savings and investment options designed to help your money grow steadily. Save for everyday emergencies, holiday spending, or retirement; we have a secure account made for each of your goals.
Regular Share Savings Account
The Foundation of Your Credit Union Membership
Your Regular Share Savings Account represents your ownership share in Mohawk Valley FCU. It is the first step to unlocking all the benefits, low rates, and personalized services our full-service credit union has to offer.
Competitive Dividends: Earn competitive interest rates on your balance to help your savings grow faster.
Easy Account Access: Easily manage your savings 24/7 through Online Banking, our Mobile App, or at our branch locations.
Federal Protection: Your deposits are federally insured up to $250,000. Visit MyCreditUnion.gov’s Share Insurance Estimator.
Christmas Club Account
Take the Financial Stress Out of the Holiday Season
Don't let holiday shopping strain your winter budget. Our Christmas Club Account lets you save small amounts throughout the year so you have cash ready when the holiday season arrives.
Automated Savings: Set up automatic deposits or payroll deductions to save each month.
Timely Payout: Funds are deposited in the second week of October, right before the holiday shopping season begins, helping you avoid credit card debt.
Earn Dividends: Earn interest on your savings while you build your holiday fund.
Certificates of Deposit (CDs)
Lock in Higher Dividend Rates With Fixed-term Savings
If you have money you can set aside for a specific period, a Certificate of Deposit offers a guaranteed return at a higher interest rate than standard savings accounts.
Fixed Return: Lock in a guaranteed rate for the entire term of your certificate.
Flexible Terms: Choose from a variety of term lengths to match your short-term or long-term financial goals.
Guaranteed Growth: A low-risk way to maximize your return with zero market volatility.
Individual Retirement Accounts (IRAs)
Plan for a Comfortable, Financially Secure Retirement
Prepare for your future with tax-advantaged retirement solutions from Mohawk Valley FCU. We offer Traditional and Roth IRA options to fit your retirement strategy.
Tax Advantages: Enjoy potential tax-deferred growth or tax-free withdrawals depending on the IRA type you choose.
Safe Growth: Keep your retirement funds protected while earning steady, competitive yields.
Expert Guidance: Talk with our member service representatives to help determine the best IRA path for your future.
Ready to Start Saving?
Stop by One of Our Full-service Branches Today to Open Your Account
Applying for an account is quick and easy! Visit our full-service credit union locations in Marcy, NY, or Utica, NY, to speak with a member specialist, or download our account application online to get started and bring it to our branch to finish the process.
Savings & Investment Disclosures
Rates, APYs, and terms are subject to change. Early withdrawal penalties may apply to Certificates of Deposit and IRAs. Deposits are federally insured up to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration (NCUA), a U.S. Government Agency.
Federally insured by NCUA.