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 1,899th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 30 employees and 10,029 members at 3 locations. Valley Federal Credit Union 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.
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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 - YTD0.79%
Return on Equity - YTD5.57%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$75.6MM$71.5MM
LoansQ2 2018vs Q2 2017$40.7MM$41.0MM
DepositsQ2 2018vs Q2 2017$64.0MM$60.8MM
Equity CapitalQ2 2018vs Q2 2017$10.7MM$10.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$501.00K$661.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$254.00K$437.00K
Real Estate OwnedQ2 2018vs Q2 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

1.92%$10k-60 Month Jumbo Share Certificate
1.36%$10k-48 Month Jumbo Share Certificate
1.31%$10k-36 Month Jumbo Share Certificate
1.11%$10k-24 Month Jumbo Share Certificate
0.95%$10k-18 Month Jumbo Share Certificate
0.85%$10k-12 Month Jumbo Share Certificate
0.70%$1k-36 Month CD
0.65%$10k-6 Month Jumbo Share Certificate
0.60%$1k-30 Month CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD

Valley Federal Credit Union IRA Rates

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

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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