Juniata Valley Financial Corp. operates as the bank holding company for The Juniata Valley Bank that provides retail and commercial banking services primarily to small and mid-sized businesses in central and northern Pennsylvania, the United States. It offers various deposit products, including personal checking accounts, club accounts, money market deposit accounts, savings accounts, certificates of deposit, individual retirement accounts, business checking accounts, payroll direct deposits, and time and demand deposits. The company also provides loans, such as checking overdraft privileges, secured lines of credit, construction and mortgage loans, commercial lines of credit, commercial letters of credit, and commercial term and demand loans.