Can I rebuild my credit by joining a credit union? Establishing new credit or re-establishing by opening a credit union account is a good way of rebuilding bad credit to good credit. Credit unions commit themselves to providing assistance to those with bad credit by offering low APRs, second chance loans, and financial helpers. Contact Us To join a credit union today, call the Harlingen branch of Valley Federal Credit Union at (956) 425-5668 or the Brownsville credit union branch at (956) 546-3108.