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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.

Loans from Credit Unions

As a credit union member, you’ll have access to better rates and eligibility on loans for homes, autos, and even boats. We’re here to answer your questions about the loans we offer and if you are qualified for them. For more information on our loan services or to apply for a loan, contact any of our VFCU offices.

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

Related Articles

Will my credit score be affected if I make late payments on my loan?

FAQ: Will my credit score be affected if I make late payments on my loan? Yes. Most loans will report late payments to the Federal Credit Bureau. This can lower your credit score. Be sure to keep up with your payments. For more information, call Harlingen’s most trusted credit union, Valley Federal Credit Union, at...

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How low are VFCU’s auto loan rates?

FAQ: How low are VFCU’s auto loan rates? Our rates can go as low as 1.9% for our members. To learn if you qualify for this rate, contact our offices at 956-546-3108.

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Can A Credit Union Help Me With My Mortgage?

Credit unions are encouraged by the NCUA to offer their members competitive interest rates on mortgage loans and to work with them on qualifying for lower payments. One advantage to applying for a mortgage loan with a Federal credit union is that they are prohibited from charging prepayment penalties. Contact Us For more information on...

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Can I Be Pre-Approved For an Auto Loan?

Pre-approval is not a guarantee for an auto loan because there are other terms that may apply. Credit unions do offer competitive rates as compared to banks. They may also offer some sort of life insurance with your auto loan. Contact Us For more information about auto loans, contact the loan professionals of Valley Federal...

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How Much Can I Borrow From My Credit Union?

It depends on the loan policies of the credit union, but the amount of most loans are based on household income and the ability to pay it back. Automatic withdrawal from your checking account may be available. Contact Us For more information about loans contact the loan professionals of Valley Federal Credit Union at their...

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Can I get a loan to buy a boat?

Yes, with a credit union you can get help with financing a boat, motorcycle, or other recreational vehicles. Good interest rates are a perk when financing through a credit union. Contact Us To get help buying the recreational vehicle you’ve always wanted, call the Harlingen branch of Valley Federal Credit Union at (956) 425-5668 or...

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What if I Can’t Make My Loan Payments?

Members should come in to discuss repayment options. Credit unions are willing to work with their members on what is best for them. If repayment is deliberate, the courts may be involved, which will only accrue more fees to the loan. Contact Us For more information about loans, contact the loan professionals of Valley Federal...

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Do Credit Unions Offer Student Loans?

Some credit unions do offer student loans, along with auto loans, mortgages and credit cards all with lower APR than banks. Contact Us For more information on loans, contact Valley Federal Credit Union's main branch at (956) 546-3108.

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Do Credit Unions Offer Lower Interest Rates?

Credit Unions usually do offer lower interest rates compared to banks because they are a nonprofit organization and not out to make a profit off of their members. Contact Us Contact the Valley Federal Credit Union in Brownsville for any questions regarding credit union membership and services at (956) 546-3108.

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What Is The Difference Between APR and APY?

Both are used to reflect the interest rate paid on a product. APR (annual percentage rate) is the annual interest paid on an investment while APY (annual percentage yield) is how that interest is applied. The APY can be applied anywhere from daily to annually. Contact Us For more information on interest rates, contact the...

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Will I be applicable for a home equity loan if I have bad credit?

Home equity loans and the interest rates incurred are dependent on a members approved credit. It is best to stop by a VFCU branch and speak with one of our bankers to find the best solution to fit your needs. Contact Us If you would like to find out if you qualify for a home...

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