Credit union · NCUA insured
Valley Federal Credit Union Savings Rates
Top CarrotValley Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Valley Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Brownsville, TX, where Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Money Market
Top rate
PlainsCapital Bank
3.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $340
2nd-highest rate
Rally Credit Union
3.30%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $330
Valley Federal Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Valley Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.50%APY
Minimum balance required to open is $2,500.00, which must be maintained to avoid a $25.00 monthly fee. Maximum of three withdrawals per month without penalty; exceeding limits may subject the account to closure. Must work, attend school, or worship in Cameron/Willacy County to become a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum opening balance of $2,500.00. Must maintain $2,500.00 minimum daily balance to avoid a $25.00 monthly fee. Limit of three withdrawals per month without penalty. Exceeding transfer limitations may subject account to closure.$2,500 and up | 1.50% | $150 | Minimum opening balance of $2,500.00. Must maintain $2,500.00 minimum daily balance to avoid a $25.00 monthly fee. Limit of three withdrawals per month without penalty. Exceeding transfer limitations may subject account to closure. |
Sources (2)
All captured Oct 16, 2026
Regular Share Account
0.15%APY
Must work, attend school, or worship in Cameron/Willacy County to become a VFCU member. Rates subject to change. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid on balances over $500.00.Any balance | 0.15% | $15 | Dividends paid on balances over $500.00. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.15%APY
Must work, attend school, or worship in Cameron/Willacy County to become a VFCU member. Rates subject to change. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid on balances over $1.00.Any balance | 0.15% | $15 | Dividends paid on balances over $1.00. |
Sources (2)
All captured Sep 17, 2026
Youth Share Account
0.15%APY
Must work, attend school, or worship in Cameron/Willacy County to become a VFCU member. Rates subject to change. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid on balances over $100.00.Any balance | 0.15% | $15 | Dividends paid on balances over $100.00. |
Sources (2)
All captured Sep 17, 2026
Who can join Valley Federal Credit Union
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.
Membership information collected October 5, 2026.