What if I Can’t Make My Loan Payments? Members should come in to discuss repayment options. Credit unions are willing to work with their members on what is best for them. If repayment is deliberate, the courts may be involved, which will only accrue more fees to the loan. 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.