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Rio Grande Valley Credit Union

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Rio Grande Valley Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rio Grande Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 16, 2026

You can compare Rio Grande Valley Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.44% and 3-month share certificate rates at 0.75%. Savings rates are at 0.25% and money market rates are at 2.00%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to Rio Grande Valley Credit Union rates. MonitorBankRates evaluates the financial stability of Rio Grande Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.55%. Rates were last updated on 05/16/2026.

Rio Grande Valley Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Rio Grande Valley Credit Union? Share your experience about Rio Grande Valley Credit Union by leaving a review below, or read customer reviews before you decide to use Rio Grande Valley Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.55%

Excellent Lower than avg

Rio Grande Valley Credit Union
Morgan

1221 Morgan Blvd
Harlingen, TX 78550 5154

Current Rate Availability

We do not have Rio Grande Valley Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Rio Grande Valley Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Rio Grande Valley Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Rio Grande Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rio Grande Valley Credit Union

Website

Address 1221 Morgan Blvd, Harlingen, TX 78550 5154

Phone 956-423-5792

Fax 956-423-3105

President David Jones

CEO Sherilyn Goad

Full-Time Employees 44

Part-Time Employees 3

Branch Locations 5

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.55%

Return on Assets (ROA)

0.7073%

Return on Equity (ROE)

7.1678%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

178,436,884

Total Amount of Shares and Deposits

158,069,028

Total Shares and Deposits < 1 Year

155,841,755

Total Shares and Deposits 1 3 Years

2,227,273

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,417,556

Total Uninsured Shares and Deposits > $250K (F+J)

3,417,556

Total Insured Shares and Deposits > $250K (item 17 less item K)

154,651,472

Total Interest Expense (Sum of items 6 8)

985,900

Share Certificates

1,035

Number of Accounts for Share Drafts

9,928

IRA KEOGH Accounts

154

Number of Accounts for Regular Shares

22,854

Net Income (unless the amount is already included in Undivided Earnings)

1,262,087

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

43,175,358

Total Liabilities

160,829,257

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Rio Grande Valley Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Rio Grande Valley Credit Union

How many branches does Rio Grande Valley Credit Union operate?

Rio Grande Valley Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Rio Grande Valley Credit Union?

Yes, to access services at Rio Grande Valley Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Rio Grande Valley Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rio Grande Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Rio Grande Valley Credit Union offer online and mobile banking?

Most modern institutions like Rio Grande Valley Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.