General
Consumer Loan Questions
E-Members Services Questions
Savings Questions
Mortgage Questions
Any person who lives, works, worships or attends school in the Merrimack Valley are eligible for Merrimack Valley FCU's quality products and services. Also eligible are businesses and other legal entities within the community.
Merrimack Valley is further defined as:
Massachusetts: Andover, Amesbury, Boxford, Dracut, Georgetown, Groveland, Haverhill, Lawrence, Lowell, Merrimack, Methuen, Newbury, Newburyport, North Andover, Rowley, Salisbury, Tewksbury and West Newbury.
New Hampshire: Atkinson, Brentwood, Chester, Danville, Derry, East Kingston, Exeter, Fremont, Hampstead, Hampton, Hampton Falls, Kensington, Kingston, Londonderry, Newton, Plaistow, Salem, Sandown, Seabrook, South Hampton and Windham.
Credit unions are member owned and are run by a group of volunteer board members who work for the membership's best interest, not the interest of stockholders. Credit unions are not for profit, not for charity, but for service, which is why we give back to our membership with lower lending rates and higher savings rates. Join MVFCU and you be the judge.
Our Transit & Routing number is 2113 8492 6.
During business hours, call 800-356-0067 to speak with a Member Service Representative. They can put an alert on your account to prevent any unauthorized withdrawals and to put your mind at ease.
Call 800-356-0067 to speak with a Member Service Representative. They can immediately stop the use of your card and will assist you in ordering a new card.
Yes, you can cash in loose coin at our Haverhill Office, located at 2 Water Street, Haverhill, MA. They have a coin counter so that they can assist you in this transaction. Our other branch locations take in rolled coin.
A signature must be obtained in order for us to change your name and/or address. Please print the change of address form and either mail it or fax it to:
MVFCU
PO Box 909
North Andover, MA 01845
Attn: Change of Address
Fax #: (978) 682-1623
You can change your PIN# on your ATM card after your issued PIN # has been activated at any ATM machine. A simple balance inquiry will do the trick. Once this issued PIN# has been activated, bring your card into any one of our branches where you can choose another number to be encoded.
Yes, contact any Loan Originator at 800-356-0067 for program details.
Most loans are approved within 4 hours.
Yes, you are able to get pre-approved for an amount prior to purchase.
Yes, through PC Banking you can transfer funds from your savings or checking to pay your loan.
Titles are mailed out within 10 days. For more details contact Loan Servicing at 800-356-0067.
During business hours, contact our Service Center at (800) 356-0067, option 1.
During business hours, contact our Service Center at (800) 356-0067, option 1. After hours, please send an e-mail message to: servicecenter@merrimackvalleyfcu.org.
This system has been secured to protect the privacy of your information. To get to the information, you must supply a name and a password. When you sign up you will get a temporary password. The first time you log on, you will be prompted to change the temporary password. Only you know the password you choose. Employees do not have access to your password. Once you are in the system, any information transmitted over the Internet is encrypted to prevent exposure.
First, confirm that you are able to access other sites successfully. If not, contact your Internet Service Provider for assistance. Second, confirm that the URL address you typed is correct, and that you specified HTTPS at the beginning. If that doesn't correct the problem, then it may mean that the eStatement site has unexpectedly gone off-line. In this case, please contact our Service Center at (800) 356-0067, option 1 for assistance, or simply try your request again at a later time.
Depending on our end of the month processing schedule, statements will normally be available by the fourth day.
During business hours, contact our Service Center at (800) 356-0067, option 1.
When you established your password, you may have given us a hint phrase. Clicking on the "Forgot Password?" box will cause the hint phrase to be displayed. If this does not resolve the problem, contact our Service Center at (800) 356-0067, option 1.
Yes. Once you are logged into eStatements, click on "Settings." At the bottom of the Settings screen, there is a password change link.
MVFCU's FREE PC Home Banking program allows you to access your accounts 24 hours/7days a week. Get current balances on your savings and loan accounts, view account history (deposits, withdrawals, transfers and cleared checks) and make transfers within your accounts.
You can also export information to a personal financial management program such as Quicken or MS Money! Check out our Bill Free Payment feature to pay your bills online anytime, anywhere.
MvOnline's Bill Payment feature allows you to pay any bill, any time you like. You can pay either one time only payments or recurring payments through your PC as long as you have internet access.
Bills are paid either electronically or by check. It all depends on how the payee is set up to receive payment. For electronic payments a paper check is never printed. Therefore, the payment is sent and received more quickly than when a payment is made by check. You should allow for at least 4 days processing when submitting an electronic payment.
For payments that are not received electronically, an actual paper check will be printed and mailed to the designated payee. Although this option requires that you allow for more processing time, approximately 10 days, it is still an easy, convenient and accurate way to pay your bills.
Yes, with our Cross Account Transfer feature, you can transfer funds from your account into any account(s) that you are joint on. Contact a Member Service Representative today at 800-356-0067 to set up this feature.
Yes! There are many different ways that you can do a transfer on your account without having to visit a branch.
- You can speak with a Service Center Representative at 800-356-0067 and they will be happy to make a transfer for you.
- You can transfer funds through PC Banking. Your account number and a password is all you need to log on to PC Banking. If you do not have a password, one can be issued over the phone with a Service Center Representative.
- You can transfer funds through our automated phone system at 800-392-3416.
To add a joint owner to your account, a new signature card is required with all joint owner’s signatures. To remove a joint owner, a removal card must be signed by the joint owner before we can remove the name. This would require a notary if not done at one of our branch locations. In the event of a death, a death certificate must be presented and the name will be removed. Both of these types of transactions can be done at any of our branch offices.
Yes, we do accept direct deposit into more than one account. Once your direct deposit is set up with your employer, you can call a member service representative at 1-800-356-0067 and let them know how you’d like it distributed.
To request a copy of a cancelled check, a simple phone call to our Service Center at 1-800-356-0067 with the number of the check, the amount and when it was written, is all it takes. There is a small fee; however, you can avoid this fee when you have e-Statements where you can look at your checks right online.
A stop payment can be placed over the phone with our Service Center at 1-800-356-0067. They would need your account number, the check amount, the date it was written, and who it was made payable to. They take the request over the phone and then forward the request to you to sign with a return envelope. You have 7 days to mail the request back; otherwise the stop will be removed. You can also do this in any of our branch locations.
Yes, we can process incoming wires as well as outgoing wires both nationally and internationally. There is some important information that we would need in order to process your request. Click on the link to print instructions. Our Service Center (1-800-356-0067) or any branch location can help you with this transaction.
You can order new checks over the phone with our Service Center (1-800-356-0067) or by mailing in the check order request from the last book of checks in your box. The processing time is generally 10 -14 business days. You can also order checks online by logging on to Deluxe.
It will be necessary to have
your checkbook in front of you for the order to be placed, as well as your last check number.
You will receive a maturity notice approximately 30 days prior to the maturity date. You have until the maturity date to let us know your intentions, either in writing or over the phone. If we do not hear from you prior to the maturity date, your certificate will renew for the same term it was in with the current rate for that term.
MVFCU offers many mortgage programs with up to 100% financing in some cases. How much you can finance is determined by many factors.
Also known as Origination Fees and Discount Fees. One point equals one percent of your loan amount and can reduce your interest rate.
The maximum loan term in 40 years.
A loan that is over the conforming loan amount. Each year the conforming loan amounts are set by Fannie Mae. For 2007 the conforming loan amount for a single family home is $417,000.00.
When your loan comes up for review (depending on which adjustable rate program you choose) Your rate and payment will adjust according to the terms of the note. This will only occur once a year after the initial fixed period.
Private Mortgage Insurance is required if you are putting less than 20 % down when purchasing a property or refinancing over 80 %. Private Mortgage Insurance is protection for the credit union against default.
Yes, please call an experienced Mortgage Originator at 1-800-356-0067, Option 1 to find out more.
Typically 30 days. Most purchase closing dates are determined by the Purchase and Sales Agreement. Refinance loans can take anywhere from 30 60 days.
Yes. You can either call us or log on to our website at www.merrimack-valley-fcu.org .
A pre-qualification is a compilation of figures given in order to roughly calculate debt to income to see if you may qualify for a loan. A pre-approval is when we actually pull your credit bureau report, compile figures and issue a pre-approval document.
Yes. MVFCU has partnered with Mass Housing to be able to offers these types of loan to our members purchasing in Massachusetts.
No. We finance properties in all of the New England states.
