Message Pay

Banking Made Simple

At Valley Federal Credit Union, we make it easy to manage your money with services built around how you bank. As a member-owned credit union, we’re committed to providing secure, convenient tools and personalized service to members throughout the Rio Grande Valley.

Simple & Secure

Tools that keep your accounts safe and easy to use.

Always Available

Bank on your schedule, online or by phone.

Local Service

Get friendly, personalized support from a team that’s here for you.

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  • Message pay allows you may make a payment to any Valley Federal Credit Union Loans from any external account.
  • You will be able to pay via text message, our website, or email.
  • You will receive a text message informing you that your loan is due. You will be able to review your payment options or you will able to opt out of our text message service by texting “STOP”

Transaction fee using a Debit Card is $5.00

Transaction done with Account Number and Routing Number it is FREE.

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Steps to Set Up Your Account

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Verify Your Account

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Create Your 4 Digit Pin

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Choose Payment Method

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Make Your Payment

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  • You will be asked to verify your account with your member number and date of birth.
  • After verifying your account, the system will prompt you to create a 4-digit pin.

(Store this information in a secure place as you will need this pin number to verify future payments.)

Preferred method of payment:

To add your preferred method of payment in to the system select, ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT (make sure to have the routing number & account number).

  • If done correctly, there will be a message stating Payment Method Successful and you will be redirected to the payment system.
  • When the payment method has been successfully verified, it will be directed to the payment system where you will be able to see all of your loans and will also be able to select your preferred payment method.

Important Note: Your payment may take up to three (3) business days to post to your account.

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Why Bank with VFCU?

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Member-owned, with service that puts you first

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Local decision-making and fast, friendly service

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Secure online and mobile banking tools

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Support from a community-focused credit union

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Two branches serving Brownsville and Harlingen

Ready to Get Started?

Open an account online or speak with a Valley Federal Credit Union representative to find the best option for you.

Have questions? Call us at (956) 546-3108.

Not a member yet?

Join Valley Federal Credit Union and experience banking that puts you first.

Join Today