Valley Federal Credit Union


Overview / Commentary
956-546-3108
183 E Price Rd
Brownsville, TX 78521

Valley Federal Credit Union is headquartered in Brownsville and is the 140th largest credit union in the state of Texas. It is also the 1,804th largest credit union in the nation. It was established in 1935 and as of June of 2020, it had grown to 30 employees and 9,517 members at 3 locations. Valley Federal Credit Union has an A health rating.

Field of Membership Restrictions

Valley Federal Credit Union is open to anyone who lives, works, or attends school in Cameron or Willacy counties.
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Health
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

Overall
NCUA #850
Year Chartered1935
Employees30
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.82%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$91.7MM$77.3MM
LoansQ2 2020vs Q2 2019$44.8MM$41.6MM
DepositsQ2 2020vs Q2 2019$78.5MM$65.0MM
Equity CapitalQ2 2020vs Q2 2019$11.7MM$11.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$384.00K$405.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$159.00K$177.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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Valley Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k-Money Market Fund

Valley Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-STAR Checking Account

Valley Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$10k-36 Month Jumbo Share Certificate
0.85%$10k-24 Month Jumbo Share Certificate
0.85%$10k-60 Month Jumbo Share Certificate
0.75%$10k-48 Month Jumbo Share Certificate
0.65%$1k-36 Month CD
0.60%$10k-18 Month Jumbo Share Certificate
0.55%$1k-30 Month CD
0.55%$10k-12 Month Jumbo Share Certificate
0.45%$1k-24 Month CD
0.35%$1k-18 Month CD
0.25%$1k-12 Month CD
0.25%$10k-6 Month Jumbo Share Certificate
0.20%$1k-6 Month CD

Valley Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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