What makes a credit union superior to a banking institution? The biggest advantage to being with a credit union is the membership. When a person joins one, they are given a stake in the company and can elect Board to Directors who best serve their interests. Since credit unions are member-owned, not only is a member’s money invested in the success of the institution, the member is as well. Credit unions are also well-known for the superior rates given to their members via the successful earnings of each. Credit Unions also offer no charges for ATM services, checking and savings accounts. They even offer refunds for ATM surcharges. Contact Us Contact the Valley Federal Credit Union in Brownsville for any questions regarding credit union membership and services at (956) 546-3108.