Will I Have Better Luck Getting A Loan From A Credit Union Than A Bank? According to the National Credit Union Administration, credit unions have been showing a steady increase in loan lending. Membership has also increased since credit unions answer to their members and not a board of directors. It would be safe to say that your money is better off in a credit union than a bank. Contact Us For more information on joining a credit union, or applying for a loan, contact the Valley Federal Credit Union main branch at (956) 546-3108.