Valley Credit Union Harlingen TX | Affordable Vehicle Loans & Business Banking

Introduction

At Valley, we believe in building strong relationships with our members and the community. Located at 1613 W Filmore Ave, Harlingen, TX 78550, our Harlingen Branch has been serving the financial needs of our members since 1935. With a commitment to providing exceptional service and a wide range of financial products, we proudly support over 9,249 members. With total assets of $108,191,641 and deposits reaching $7,839,153, we are financially equipped to help you achieve your goals. Our team of 37 dedicated employees, led by CEO Norma Jasso and Board President Michael Forbes, is here to ensure that you receive personalized service tailored to your needs. While members can visit us at our branch location, official correspondence should be sent to 1613 W Filmore Ave, Harlingen, TX 78550-6270. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our mission goes beyond just banking; we aim to make a positive impact in our community. Whether you're looking for financial advice or need assistance with loans totaling up to 6,769, we're here to guide you every step of the way. Ready to take the next step? Give us a call at 956-425-5668 or visit us online at Valley Credit Union for more information. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Excellence

We prioritize not only the financial success of our members but also their comfort and safety. Our operating hours from Monday to Friday are from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 1:00 PM for drive-thru services. While we currently do not have ATM facilities or drive-thru banking available at this branch, our friendly staff is always ready to assist you with your banking needs. Join us at Valley Credit Union where your financial dreams become attainable realities. Experience firsthand how we put people before profits become a member today! Visit us online at www.vfcu.net or give us a call at 956-425-5668 for more information on how you can start benefiting from all that we offer!

Our Mission

At Valley Credit Union, our mission is simple yet profound: to empower our members through personalized financial solutions that meet their unique needs. We strive to enhance the quality of life in our community by offering a range of services such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. We believe in making banking accessible to everyone our digital advancements ensure that members can manage their finances conveniently through online and mobile banking platforms. While members can visit us at our Harlingen branch address, official correspondence should be sent to 1613 W Filmore Ave, Harlingen, TX 78550-6270 if it differs from our main location. Our focus goes beyond just financial products; we are dedicated to creating meaningful connections within the community. Valley Credit Union actively participates in local outreach programs and initiatives aimed at supporting education and well-being. By partnering with local organizations, we contribute to building a stronger and more resilient community.

Branch Location & Accessibility

Convenient Access and Features

At our Harlingen Branch, we prioritize accessibility for everyone. Our building is designed with ADA-compliant features, ensuring that all members can navigate comfortably. Ample parking is available right outside, making it easy for you to pop in for your banking needs. Our operating hours are designed with your schedule in mind. We're open Monday through Friday from 9:00 AM to 6:00 PM and offer drive-thru service on Saturdays from 9:00 AM to 1:00 PM. Please note that while we do not currently have ATM facilities on-site, our staff is always ready to assist you with any transactions during regular business hours.

Personal Touch in Banking

At Valley Credit Union, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans, mortgage solutions, credit cards with rewards, and business banking services. Our dedicated team is here to provide guidance and support. If you need assistance or have questions about our services, don't hesitate to reach out! You can call us at 956-425-5668 for more information or visit us in person at our welcoming branch. We invite you to come see how Valley Credit Union can help you achieve your financial goals!

Member Eligibility

At Valley, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in our local area. You can also qualify through family members already part of our credit union. This means that if you have a loved one who is a member, you're already on your way to joining us! For more detailed eligibility criteria, feel free to check out this link. Joining Valley not only gives you access to a variety of financial services but also connects you with a supportive network dedicated to your success. Opening an account is straightforward and can be done online or by visiting us at our branch located at 1613 W Filmore Ave Harlingen Tx 78550. If you have questions or need assistance, don't hesitate to reach out at (956) 425-5668. We're excited to welcome you into our community!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer essential merchant services that simplify your daily operations. Imagine seamlessly accepting payments from customers while having access to real-time transaction data. Our services allow you to focus on what matters most growing your business. Visit us at 1613 W Filmore Ave Harlingen Tx 78550 in Harlingen, TX or call us at (956) 425-5668 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For local business owners, Valley provides essential banking services through our business banking program. From merchant services that simplify payment processing to business loans that help fuel your growth, we understand what it takes to run a successful operation.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why we offer robust online and mobile banking services at Valley. With these features, you can easily check balances, transfer funds, pay bills, and even send money to friends or family all from the palm of your hand. Although we do not currently have ATM services available at this branch, rest assured that our digital solutions ensure you're never far from managing your finances effectively.

Financial Flexibility

Life can throw unexpected expenses your way, which is why we also offer personal loans and debt consolidation services. These options provide the flexibility you need to manage unforeseen costs or consolidate multiple debts into a single payment for easier management. Additionally, if you're looking for a credit card that rewards your spending habits, our credit cards with rewards programs are designed just for that. Earn points on everyday purchases while enjoying the convenience of cashless transactions.

Get Started Today!

Whether you're looking for personal banking solutions or business services, Valley is here to assist you every step of the way. If you have any questions about our offerings or would like to get started with an account today, please don't hesitate to reach out! Call us at (956) 425-5668 or visit us at 1613 W Filmore Ave Harlingen Tx 78550 during our convenient hours: Monday through Friday from 9:00 am to 6:00 pm and Saturday from 9:00 am to 1:00 pm. Join our community today by visiting our website and discover how we can help meet your financial needs!

Personal Banking Solutions

For those looking to manage their day-to-day finances, we offer comprehensive personal banking options. You can open a checking or savings account tailored to fit your lifestyle and goals. If you're dreaming of a new vehicle, our auto loans and vehicle financing solutions can help turn that dream into reality with competitive rates and flexible terms. When it comes to home ownership, our mortgage loans and refinancing options provide the support you need to secure the perfect home. Whether you are buying your first home or looking to refinance your current mortgage for better terms, we've got you covered.

Digital & Online Banking

Mobile Banking Made Easy

Stay connected with our mobile application, which provides all the functionalities of online banking right at your fingertips. Need to make a quick purchase? Our mobile payments feature allows you to pay directly from your phone, making everyday transactions easier than ever.

Online Banking Services

With our 24/7 online banking services, you can easily access your accounts from the comfort of your home or on the go. Just visit https://www.vfcu.net/ to log in securely and manage your finances at your convenience. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly interface makes it simple.

Person-to-Person Transfers

Sharing expenses or splitting bills with friends is a breeze with our person-to-person transfer service. You can send money quickly and securely without needing cash or checks. At Valley, we strive to make banking easy and accessible for everyone. With our digital tools, real-time account management is just a click away. Join us today and experience the future of banking!

Security Features

Your security is our top priority. With features like electronic signature authorization available at Valley, you can complete transactions safely without needing to visit a branch. Plus, we offer e-statements so you can receive your account statements electronically no more paper clutter!

Financial Strength

A Growing Community Trust

Total Share and Deposit Accounts: 16,317, showing a strong and growing member base that trusts us with their finances. This number reflects our commitment to serving you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley is your trusted partner. Visit us at 1613 W Filmore Ave Harlingen Tx 78550 or call 956-425-5668 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $13,664,639 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; with $6,138,461 in total loans and leases including $11,540 in used auto loans our offerings support your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $16,528,280 in share certificates and $4,776,639 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 34 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Foundation

With a net worth of $13,919,007, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.83% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,653,482 in used vehicle loans and $24,161,782 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans to help you lower your monthly payments or take advantage of better interest rates.

Credit Lines and Personal Loans

Our total credit lines amount to $8,000,000, providing flexibility for those unexpected expenses or planned purchases. Additionally, we offer unsecured credit card loans totaling $1,742,273. These flexible terms allow members to manage their finances effectively without needing collateral.

Getting Started

If you're interested in any of our loan offerings or want to explore eligibility options, don't hesitate to reach out! You can contact us at (956) 425-5668 or visit us at our branch located at 1613 W Filmore Ave Harlingen Tx 78550 in Harlingen, TX. We're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step in your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $931,542, make buying or refinancing simple. Whether you are a first-time homebuyer or looking to refinance your current mortgage, we have solutions tailored for you.

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VALLEY FEDERAL CREDIT UNION