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Valley

P.O. Box 4700, Brownsville, TX 78523
NCUA Insured2.8 (54 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 4700

Brownsville, TX 78523

Service Area

This credit union is located in Brownsville and serves members in the TX area. Currently serving 9,380 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.61%

Used Auto Loan

6.39%

Personal Loan

13.32%

Credit Card APR

12.71%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

2.8

54 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
alicia rocha

alicia rocha

11 months ago

I had a great experience with my car loan. Ms Jasso and Patty made this process quick and convenient for me . I was able to complete the majority of the paperwork on line which was a plus for me since I did not have a car. I shopped around for interest rates , and this credit union was able to beat all other banks and credit unions . In addition, their professionalism is outstanding. Thank you !

Sandy Lee

Sandy Lee

9 months ago

I am waiting while they hold my 14k check hostage, so I can go in there withdrawal my money and close this account. Their lack of people skills is sad.

Perl Garcia

Perl Garcia

a year ago

I had to drive out of my way to get my online password reset. The customer service line had me on hold for 15?minutes. The previous day the same thing happened so today I decided to go to the office. I was thinking the bank was close or the line was down. The reception tells me it’s because there are lots of calls coming in. I just sigh very frustrated. I see an empty lobby and three cashiers standing around. Hire more customer service reps to answer phone calls!! people go to the bank anymore…

Maria Vilano

Maria Vilano

a year ago

If I could rate this 0 stars I would! I went in & had the worst experience ever! Lupe Torres is extremely rude! Don’t waste your time here! She doesn’t have any empathy & her tone of voice is not professional for someone in member service.

Smiley Lozano

Smiley Lozano

2 years ago

Great credit union for all your banking needs without the big bank shuffle. Great friendly staff. Just recently they have gone out of there way to provide loans to me personally always attentive to your needs . I bank at other institutions and I never get the first class treatment at valley Federal credit Union . They really are people helping people .

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).