Valley Credit Union

P.O. Box 4700
Brownsville, TX 78521
(956) 546-3108
www.vfcu.net

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Valley Credit Union is headquartered in BROWNSVILLE and is the 175^th largest credit union in the state of Texas. It is also the 2,276^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 30 employees and 9,305 members. Valley Credit Union has a 5-star health rating.

Top Long-Term CD Rates at CEF Credit Union in IL & CA - Local Only - 4/28/2010

CEF Credit Union continues to offer competitive long-term CD rates. For regular certificates these include a 3.15% APY 60-month CD, a 3.00% APY 48-month CD and a 2.60% APY 36-month CD. Minimum deposi ...

3.50% 60-Month CD at CEF Credit Union in IL & CA - Local Only - 12/2/2009

CEF Credit Union is offering two competitive long-term CD rates: 3.50% APY for 5 years and 3.25% APY for 4 years. Minimum deposit is $1,000. An extra 0.10% is added for Jumbo certificates with a $100,000 minimum. These rates are listed at the credit...

3.10% 24-Month CD at CEFCU in California and Illinois - 3/10/2009

Citizens Equity First Credit Union (CEFCU) is offering a special 2-year CD with a 3.10% APY. Minimum deposit is $1,000. The jumbo CD rate is 3.20% APY for a $100,000 minimum. This CD special is available at both CEFCU's Illinois branches and at CEFCU's...

4.25% 60-Month CD at Valley Credit Union (now part of CEFCU) in California - 1/9/2009

Valley Credit Union (now part of CEFCU) is offering a 4.25% APY 60-month share certificate. Minimum deposit is $1,000. This is also available as an IRA Share Certificate. The rate is listed in the credit union's rate table as of 1/09/09. It's also...

2008

2007

5/7 - 6.50% Money Market Account at a California CU (Valley)

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See Rates for: Checking | Savings | Money Market | CD | IRA

Valley Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	STAR Checking Account

Valley Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$25	-	IRA Share Account
0.25%	$25	-	Roth IRA Share Account
0.25%	$25	-	Educational IRA Share Account
0.15%	$500	-	Regular Share Account
0.15%	$100	-	Youth Share Account
0.15%	-	-	Christmas Club Account
0.15%	$500	-	Share Secured Account

Valley Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$2,500	-	Money Market Fund

Valley Credit Union CD Rates

Apy	Min	Max	Product
1.92%	$10k	-	60 Month CD
1.52%	$10k	-	48 Month CD
1.46%	$10k	-	36 Month CD
1.11%	$10k	-	24 Month CD
0.70%	$10k	-	18 Month CD
0.60%	$10k	-	12 Month CD
0.60%	$1k	-	30 Month CD
0.45%	$10k	-	6 Month CD

Valley Credit Union IRA Rates

Apy	Min	Max	Product
0.80%	$1k	-	30 Month IRA
0.80%	$1k	-	30 Month Roth IRA
0.80%	$500	-	30 Month Educational IRA
0.70%	$1k	-	18 Month IRA
0.70%	$1k	-	18 Month Roth IRA
0.70%	$500	-	18 Month Educational IRA
0.65%	$1k	-	12 Month IRA
0.65%	$1k	-	12 Month Roth IRA
0.65%	$500	-	12 Month Educational IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

VALLEY
NCUA #	850
BankRate Report	View
Year Chartered	1935
Employees	30
Primary Regulator
Assets and Liabilities
Assets	$48.43 million
Loans	$24.67 million
Deposits	$40.83 million
Equity Capital	$7.12 million
Loan Loss Allowance	$194,000
Unbacked Noncurrent Loans	$205,000
Historic Data - December 2010
Assets	$45.15 million
Equity Capital	$6.68 million
Loan Loss Allowance	$291,000
Unbacked Noncurrent Loans	$132,000
Profit Margin - Quarterly
Net Interest Margin	8.8%
Return on Assets	0.9%
Return on Equity	6.1%
Interest Income	$2.41 million
Non-Interest Income	$1.50 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Valley Credit Union had $205,000 in non-current loans and owned real-estate with $7.31 million in equity and loan loss allowances on hand to cover it. This gives Valley Credit Union a Texas Ratio of 2.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Valley Credit Union held steady from 1.89% as of December 31, 2010 to 2.80% as of December 31, 2011, resulting in a negative change of 48.14%. This indicates that the balance sheet and financial strength for Valley Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Valley Credit Union has increased its total deposits by $2.84 million, resulting in 7.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valley Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valley Credit Union has $48.43 million in assets with $7.31 million in equity, resulting in a capitalization level of 15.10%, which is excellent.