How Much Can I Borrow From My Credit Union? It depends on the loan policies of the credit union, but the amount of most loans are based on household income and the ability to pay it back. Automatic withdrawal from your checking account may be available. Contact Us For more information about loans contact the loan professionals of Valley Federal Credit Union at their Brownsville branch by calling (956) 546-3108, or their Harlingen branch at (956) 425-5668.