Mohawk Valley Federal Credit Union is a not-for-profit financial cooperative serving Utica and Marcy, New York, with membership open to state employees and retirees in Fulton, Hamilton, Herkimer, Madison, Montgomery, and Oneida Counties, plus SUNY Poly, SUNY Morrisville, and select municipal employees. It offers checking, savings, IRAs, and auto, RV, personal, and home equity loans.

For decades, Mohawk Valley Federal Credit Union has treated Utica and Marcy area families like part of the community, not just account numbers. As a member-owned, not-for-profit cooperative, it channels profits back to members through competitive rates on auto loans, RV loans, home equity lines, and savings accounts, plus friendly, local customer service you won't find at a big bank. Whether you're financing a car, building an emergency fund, or opening your first checking account, Mohawk Valley FCU keeps your money working for you. Members can also use Fluz alongside their credit union accounts to earn extra cashback and rewards on everyday spending, gift cards, and bill payments.