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Dear Members,

Please be aware if you receive an email from vfcu@vfcu.net along with http://www.vfcu.net/ and verification@curesources.coop together please do not open email; delete it immediately. Valley Federal Credit Union will never send an email regarding conducting verification of members accounts. Thank you Valley Federal Credit Union.

Financial Advice

Credit unions are dedicated to finding the best solutions to improve your current financial standing. Count on us to provide you with reliable information regarding financial matters in your life. If you would like to inquire further or are in need of financial advice, contact our main office in Brownsville at (956)546-3108.

Check out our other resources to learn more about the benefits credit unions can provide for your loan and mortgage needs.

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How long will it take to repair my credit score?

A credit score can take anywhere from 7 to 10 years to repair depending on the situation. Late payments, foreclosures, and Chapter 13 bankruptcy usually take 7 years to fix. Chapter 7 bankruptcy can take up to 10 years to fix. Joining a credit union is the first step in establishing good credit. Contact Us...

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What is a credit score?

Through statistical analysis, a credit score consisting of three numbers is calculated based on credit report information, which is then referenced as creditworthiness of an individual. Your credit score can either make you or break you. For more information regarding your creditworthiness, contact VFCU at the Harlingen Credit Union branch at (956) 425-5668, or the...

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How late can I post a payment before it starts affecting my credit score?

If you absolutely cannot pay a payment on time, 30 days is the longest you should wait. Your credit score is 35% based on debt that is 30 days late.

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Will ObamaCare Affect My IRA?

No. The new tax changes will not affect your IRA. Rates will stay the same. Contact Us For more information on IRA’s or rates, contact Valley Federal Credit Union at their main branch in Brownsville at (956) 546-3108.

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How can I increase my tax refund?

Members can enjoy up to $5,000 with an APR as low was 10.9%* with approved credit. Contact one of our branches to find out how much you can really get back on your tax refund. Contact Us Check out our 2013 services that can help you save and earn more cash back by visiting one...

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How is credit built?

Credit is built through having a bank account, employment history, bills you have to pay, such as light and water bills. Credit is also built through credit cards and loans, however, without initial credit, these are hard to attain. Learn more from Valley Federal Credit Union in Harlingen.

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What is credit?

Credit is established as you pay back credit cards and different types of loans and deferred payments. This reflects how financially trustworthy one is based on payment amounts and the time it takes to complete payments. Contact Valley Federal Credit Union in Harlingen and other areas of the Valley to learn more.

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Why is good credit important?

A person’s credit score is used for obtaining loans, credit cards, and now in many cases, to obtain services from companies and businesses. It can even affect whether or not you are hired for a job. Credit scores show your financial responsibility, so it is important to keep up with your bills and credit. Valley...

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What is a credit check?

A credit check is when a prospective lender looks into your credit to see if your credit score reflects creditworthiness. The lender will get an analysis from a credit report agency. Personal information is included and employment history, income and information that provide a more detailed look at your credit is included. Contact VFCU in...

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