Lending Made Simple

At Valley Federal Credit Union, we make it easy to borrow with a loan that works for your budget. As a member-owned credit union, we’re committed to providing competitive rates, flexible terms, and personalized service to members throughout the Rio Grande Valley.

Competitive Rates

Low rates that help you keep more of your money.

Flexible Terms

Choose the loan term that fits your goals and budget.

Local Service

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

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Holiday Loan Rates

Up to $10,000 for 36 months with rates as low as 5.50%*

*Certain restrictions may apply. Offer and terms subject to credit approval. 

For more information visit our main office or our Harlingen branch.

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Current Loan Rates

Rates vary by loan type and term. See today’s rates for all of our loans.

View All Rates

Why Finance with VFCU?

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Competitive rates and flexible loan terms

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Local decision-making and fast, friendly service

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Loan options to fit your needs and budget

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Support from a community-focused credit union

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Convenient online application process

Ready to Apply?

Get started online or speak with a Valley Federal Credit Union loan specialist 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