Overview / Commentary
183 E Price Rd
Brownsville, TX 78521

Valley Federal Credit Union is headquartered in Brownsville and is the 148th largest credit union in the state of Texas. It is also the 1,886th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 32 employees and 9,940 members at 3 locations. Valley Federal Credit Union's CD rates are 12% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work attend school, and worship in Cameron or Willacy County.
See current membership details

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Valley Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #850
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD7.29%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$75.1MM$72.1MM
LoansQ4 2018vs Q4 2017$42.3MM$40.9MM
DepositsQ4 2018vs Q4 2017$62.8MM$61.3MM
Equity CapitalQ4 2018vs Q4 2017$11.3MM$10.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$387.00K$623.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$404.00K$453.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Valley Federal Credit Union Savings Account Rates

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%$1-Christmas Club Account
0.15%$500-Share Secured Account

Valley Federal Credit Union Money Market Rates

0.25%$2.5k-Money Market Fund

Valley Federal Credit Union Checking Account Rates

0.10%$500-STAR Checking Account

Valley Federal Credit Union CD Rates

2.38%$10k-60 Month Jumbo Share Certificate
1.87%$10k-48 Month Jumbo Share Certificate
1.66%$10k-36 Month Jumbo Share Certificate
1.36%$10k-24 Month Jumbo Share Certificate
1.11%$10k-18 Month Jumbo Share Certificate
1.01%$10k-12 Month Jumbo Share Certificate
0.90%$1k-36 Month CD
0.80%$1k-30 Month CD
0.70%$1k-24 Month CD
0.65%$10k-6 Month Jumbo Share Certificate
0.60%$1k-18 Month CD
0.50%$1k-12 Month CD
0.40%$1k-6 Month CD

Valley Federal Credit Union IRA Rates

1.01%$1k-30 Month IRA Certificate
1.01%$1k-30 Month Roth IRA Certificate
1.00%$500-30 Month Educational IRA Certificate
0.90%$1k-18 Month Roth IRA Certificate
0.90%$1k-18 Month IRA Certificate
0.90%$500-18 Month Educational IRA Certificate
0.85%$1k-12 Month IRA Certificate
0.85%$1k-12 Month Roth IRA Certificate
0.85%$500-12 Month Educational IRA Certificate

Valley Federal Credit Union Locations
Branch OfficePO Box 4700Brownsville, TX 78523-4700
Branch Office700 FM 3168Raymondville, TX 78580
Branch Office1613 W Filmore AveHarlingen, TX 78550-6270

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