Valley Federal Credit Union

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A short history of Valley FCU

Since its inception in 1935 the Valley Federal Credit Union has been serving its members in the Brownsville, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Olga Villarreal, the Valley FCU has grown its membership to over 10,269 with assets of more than $71,452,088. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (956) 546-3108 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Brownsville, TX.

General Information For Valley FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 850
Address P.O. Box 4700 
City Brownsville 
State Texas 
Zip-Code 78523
Phone Number (956) 546-3108
Fax Number (956) 544-5404
Email Address: none
CEO/President Olga Villarreal
Members 10,269 
Full-Time Employees 28 
Part-Time Employees
Number of Branch Offices
Total Assets 71,452,088 

Compare Valley Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Brownsville City Employees CU BROWNSVILLE CITY EMPLOYEES FCU 1001 E ELIZABETH ST 78522 (956) 548-6041 No 0.14
Rio Grande Valley Credit Union CU Morgan 1221 Morgan Blvd 78550 (956) 423-5792 No 23.68

Valley Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Valley Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.62 4.32 7.62 6.71 6.52
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 481 320 598 423 393
Rank Among All Texas Credit Unions 109 121 196 123 104

Valley Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.25 1.90 0.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 105 48 266
Rank Among All Texas Credit Unions N/A 43 22 11 70
Valley Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.6201,3031,911,736
All Other Unsecured Loans/Lines of Credit 11.9404,24012,372,744
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.32053612,285,490
Used Vehicle Loans 7.6205488,198,300
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.710482,080,315
Total Other Real Estate Loans/Lines of Credit 6.520411,229,145
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.6203222,906,098
TOTAL LOANS & LEASES 7,03840,983,828

Valley Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 482,080,3153192,520
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 411,229,1453152,411
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 893,309,4606344,931


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Valley Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes