Valley Credit Union
Verified rate book
Current Valley Credit Union rates
13 published offers verified as of August 4, 2026.
Auto & vehicle rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 75-Month New Auto Loanauto_new_75mo | 3.500% APR | 3.500% | 75 mo · new | Advertised floor |
| Up to 75-Month New Auto Loanauto_new_75mo | 3.700% APR | 3.700% | 75 mo · new | Standard |
| 75-Month Used Auto Loanauto_used_75mo | 4.500% APR | 4.500% | 75 mo · used | Standard |
| Up to 75-Month Used Auto Loanauto_used_75mo | 5.150% APR | 5.150% | 75 mo · used | Standard |
| Up to 84-Month New Auto Loanauto_new_84mo | 5.700% APR | 5.700% | 84 mo · new | Standard |
| Up to 84-Month Used Auto Loanauto_used_84mo | 6.500% APR | 6.500% | 84 mo · used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loanheloc | 5.000% APR | 5.000% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Loans Brownsvillepersonal_unsecured | 5.000% APR | 5.000% | — | Standard |
Savings & CD rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Money Market Fundmoney_market | 1.49% APY | 1.49% | — | Standard |
| * Annual Percentage Ratesavings | 5.00% APY | 5.00% | — | Standard |
Other rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fast. Safe. Easy.other | 3.700% % | 3.700% | — | Standard |
| Frequently Asked Questionsother | 3.700% % | 3.700% | — | Standard |
| Lending Rates*other | 3.700% % | 3.700% | — | Standard |
Auto loans available from 3.7% APR for 75 months. HELOC rates from 5% APR. Personal loan rates from 5% APR. Savings and certificate yields up to 5.00% APY.
Source: RateAPI.dev, verified from Valley Credit Union's official website
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About Valley Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 9.4K
- Assets
- $118.8M
- Founded
- 1935
- Locations reported
- 2
- NCUA charter
- 850
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Bilingual services
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Valley Credit Union
Membership eligibility from Valley Credit Union's own published criteria. How we verify this.
Community charter: live/work in Cameron, Willacy
- LocationCameron, Willacy
Verified from Valley Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Valley Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valley Credit Union ranks against Texas peers.
Frequently Asked Questions
What rates does Valley Credit Union offer?
Valley Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Valley Credit Union rates updated?
RateAPI verifies Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Valley Credit Union's rate data?
Rate data is collected directly from Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Valley Credit Union's auto loan rates?
As of August 4, 2026, Valley Credit Union offers auto loans from 3.7% APR.
What is Valley Credit Union's HELOC rate?
As of August 4, 2026, Valley Credit Union offers home equity lines of credit from 5% APR.
What is Valley Credit Union's personal loan rate?
As of August 4, 2026, Valley Credit Union offers personal loans from 5% APR.
What is Valley Credit Union's best CD rate?
As of August 4, 2026, Valley Credit Union offers savings and certificate (CD) yields up to 5.00% APY.
Related Rate Data
Compare Valley Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Valley Credit Union rates
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# Get rates for Valley Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/valley" \
-H "Authorization: Bearer YOUR_API_KEY"