Can I join a credit union despite having bad credit?

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.

You absolutely can. In fact, if you have bad credit, we invite you to join us so we can assist you by repairing your credit score and stabilizing your financial status. Our services are structured so that you can have all the tools necessary to keep your finances in order.

Contact Us

If you are having financial trouble due to your bad credit, contact the Valley Federal Credit Union main branch at (956)546-3108.

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