Credit union · NCUA insured
Valley Federal Credit Union
Top CarrotA $118.8M credit union headquartered in Brownsville, TX, with 9,380 members and 2 branches in Texas. Best rates: CDs 3.50% and savings 1.50% APY.
Valley Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#3 of 17 in Brownsville, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley Federal Credit Union
Valley Federal Credit Union is a member-owned financial institution chartered in 1935 and headquartered in Brownsville, Texas.
It operates branch locations in Brownsville and Harlingen and offers access to 700 ATMs across the Rio Grande Valley.
- Headquarters
- 183 E Price Rd, Brownsville, TX 78521
- NCUA charter
- 850
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work, attend school, or reside in Cameron or Willacy County are eligible to join.
- Individuals who work, attend school, or worship in Cameron/Willacy County are eligible to become a member.
Branches
2 branches in Texas
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Texas
2 branches
- Main OfficeMain office183 E Price Rd, Brownsville, TX 78521Directions
- Harlingen Branch1613 W Filmore Ave, Harlingen, TX 78550Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.46% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $70 | $76 | — |
- CapitalNet worth ratio12.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.46%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$70Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Valley Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.