What are the current interest rates at Valley Federal Credit Union?

Current rates for Valley Federal Credit Union include: MMA: 1.50%

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Valley Federal Credit Union

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Valley Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Valley Federal Credit Union?

Yes, to access services at Valley Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Valley Federal 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 and Verified: October 12, 2026

Valley Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its Educational IRA CDs - 30 MO CD, 1.50% APY on money market accounts, 0.10% APY on checking, and auto loans from 3.70% APR, according to rates verified by MonitorBankRates. Other Valley Federal Credit Union CD rates include IRA CDs - 30 MO at 3.75%, Roth IRA CDs - 30 MO at 3.75%, and Educational IRA CDs - 18 MO at 3.65%. MonitorBankRates evaluates the financial stability of Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.13%. Rates last updated and verified on 10/12/2026.

Valley Federal 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 Valley Federal Credit Union? Share your experience about Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Valley Federal Credit Union.

Verified Healthy Q2 2026 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

2.13%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Valley Federal Credit Union
Main Office

183 E Price Rd
Brownsville, TX 78521

https://www.vfcu.net

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
Educational IRA Certificates - 30 MO	3.69%	3.75%	30 months
Min Deposit $500 Details Subject to federal tax penalties & restrictions; early withdrawal penalty applies; Educational IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRA Certificates - 30 MO	3.69%	3.75%	30 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Roth IRA Certificates - 30 MO	3.69%	3.75%	30 months
Min Deposit $1,000 Details Subject to federal tax penalties & restrictions; subject to early withdrawal penalty; Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Educational IRA Certificates - 18 MO	3.59%	3.65%	18 months
Min Deposit $500 Details Subject to federal tax penalties & restrictions; early withdrawal penalty applies; Educational IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRA Certificates - 18 MO	3.59%	3.65%	18 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Roth IRA Certificates - 18 MO	3.59%	3.65%	18 months
Min Deposit $1,000 Details Subject to federal tax penalties & restrictions; subject to early withdrawal penalty; Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Educational IRA Certificates - 12 MO	3.49%	3.55%	12 months
Min Deposit $500 Details Subject to federal tax penalties & restrictions; early withdrawal penalty applies; Educational IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRA Certificates - 12 MO	3.49%	3.55%	12 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Roth IRA Certificates - 12 MO	3.49%	3.55%	12 months
Min Deposit $1,000 Details Subject to federal tax penalties & restrictions; subject to early withdrawal penalty; Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 6 MO	3.45%	3.50%	6 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 60 MO	3.44%	3.50%	60 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 12 MO	3.30%	3.35%	12 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 24 MO	3.01%	3.05%	24 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 18 MO	2.96%	3.00%	18 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Share Certificates - 30 MO	2.96%	3.00%	30 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 36 MO	2.91%	2.95%	36 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 48 MO	2.81%	2.85%	48 months
Min Deposit $10,000 Details $10,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Share Certificates - 36 MO	1.05%	1.06%	36 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Share Certificates - 24 MO	0.95%	0.95%	24 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Share Certificates - 18 MO	0.90%	0.90%	18 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Share Certificates - 12 MO	0.85%	0.85%	12 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Share Certificates - 6 MO	0.80%	0.80%	6 months
Min Deposit $1,000 Details $1,000 Minimum to open. Subject to early withdrawal penalties. Automatically renews. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Valley Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.15%	0.15%
Min Balance $1 Details Dividends paid on balances over $1.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Account	0.15%	0.15%
Min Balance $500 Details Dividends paid on balances over $500.00. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Valley Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.50%
Min Deposit $2,500 Details Sidebar current rates summary; minimum balance to open $2,500.00; $25.00 monthly fee if below minimum daily balance Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Valley Federal Credit Union Checking Rates

Product	Rate	APY	View More
STAR Checking Account	0.10%	0.10%
Min Balance $500 Details Dividends paid on balances over $500.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Valley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.00%
Details As Low As; from 5.00% APR Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.70%	up to 75 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Used Auto Loan	-	-	5.15%	up to 75 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
New Auto Loan	-	-	5.70%	up to 84 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Used Auto Loan	-	-	6.50%	up to 84 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Educational IRA Share Account	0.35%	-	0.35%
Min Deposit $25 Details Dividends are paid on balances over $25.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRA Share Account	0.35%	-	0.35%
Min Deposit $25 Details Dividends are paid on balances over $25.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRAs	-	-	3.49%
Details Published APY range: 3.49% to 3.75%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Roth IRA Share Account	0.35%	-	0.35%
Min Deposit $25 Details Dividends are paid on balances over $25.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Youth Share Account	0.15%	-	0.15%
Min Balance $100 Details Dividends paid on balances over $100.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Valley Federal Credit Union’s Texas Ratio rose from 1.03% in Q3 2023 to 2.13% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$119M	2.13%	5.0	A+
March 31, 2026	$119M	1.60%	5.0	A+
December 31, 2025	$112M	3.13%	5.0	A+
September 30, 2025	$114M	1.96%	5.0	A+
June 30, 2025	$113M	1.53%	5.0	A+
March 31, 2025	$113M	2.57%	5.0	A+
December 31, 2024	$105M	3.43%	5.0	A+
September 30, 2024	$108M	2.47%	5.0	A+
June 30, 2024	$107M	2.56%	5.0	A+
March 31, 2024	$108M	2.06%	5.0	A+
December 31, 2023	$102M	1.56%	5.0	A+
September 30, 2023	$102M	1.03%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Valley Federal 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 Valley Federal 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 Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Valley Federal Credit Union

Website https://www.vfcu.net

Address 183 E Price Rd, Brownsville, TX 78521

Phone 956-546-3108

Fax 956-544-5404

President Michael Forbes

CEO Norma Jasso

Full-Time Employees 37

Part-Time Employees 2

Branch Locations 2

ATM Locations 1

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

2.13%

Return on Assets (ROA)

0.1451%

Return on Equity (ROE)

1.1512%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

119,071,615

Total Amount of Shares and Deposits

102,939,725

Total Shares and Deposits < 1 Year

79,168,144

Total Shares and Deposits 1 3 Years

21,417,940

Total Shares and Deposits > 3 Years

2,353,641

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

2,997,652

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

2,997,652

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

99,942,073

Total Interest Expense (Sum of items 6 8)

483,330

Share Certificates

364

Number of Accounts for Share Drafts

6,240

IRA KEOGH Accounts

Number of Accounts for Regular Shares

9,570

All other shares

286

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,537,636

Total Liabilities

104,059,428

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Valley Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/valley-federal-credit-union-rates-review-850">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Valley Federal Credit Union

How many branches does Valley Federal Credit Union operate?

Valley Federal 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 Valley Federal Credit Union?

Yes, to access services at Valley Federal 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, Valley Federal 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, Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vfcu.net.