Can I join a credit union despite having bad credit? You absolutely can. In fact, if you have bad credit, we invite you to join us so we can assist you by repairing your credit score and stabilizing your financial status. Our services are structured so that you can have all the tools necessary to keep your finances in order. Contact Us If you are having financial trouble due to your bad credit, contact the Valley Federal Credit Union main branch at (956)546-3108.