Is it easy to switch from a bank to a credit union? In most cases it is easy to switch from a bank to a credit union. There are a few things you should check before switching over: Check eligibility Compare credit unions Convenience Switching from a bank to a credit union does have its perks, such as great customer service, no added fees, lower interest rates, free checking, and no minimum deposit required. These are only a few of the reasons to make your banking experience a better one. Contact Us If you’re tired of paying ridiculous bank fees, check to see if you qualify to become a member. Contact VFCU at the Harlingen credit union branch at (956) 425-5668, or the Brownsville credit union branch at (956) 546-3108.