Choose a New York bank that treats you like family As a federal credit union, we're a not-for-profit institution that's owned by our members. This allows us to pass along better services and advantages than you'll find at larger banks. Because we're owned by members, we're invested in every person who walks through our door. Become a member of Mohawk Valley Federal Credit Union to enjoy: Regular share accounts Christmas club accounts IRAs Shared checking Savings accounts Payroll deposit Personal loans Home refinancing loans Used auto loans New auto loans Signature loans Home equity lines.