The significant difference between Harlingen banks and credit unions may not seem that different, but it is important for someone needing financing fast. Credit unions are more focused on their members’ financial needs than Harlingen bank. There is no exception when you finance with VFCU.
Our Main services include:
- Lending loans in Harlingen
- Investment opportunities
- Offering bank services such as checking and savings
Lower Rates on Credit Cards When You Finance with VFCU
Since credit unions are non-profit organizations, VFCU has lower overhead costs than Harlingen banks. Credit unions can pass on cost savings to consumers through competitively priced loan and deposit products, including our credit cards:
We currently offer the following:
- Platinum Card starts at 9.95%
- Gold Card begins at 12.95%
- Classic Card begins at 17.95%
Fewer Account Fees
It is true! Compared to Harlingen bank, we have better opportunities for fewer account fees. Valley Federal Credit Union (FCU) is proud to offer members several benefits to checking and savings accounts that feature:
● Loan rates capped at 18%
● Dividends paid to members
● Offers free E-statements
● Free Mobile Banking App
Deposits are Insured
VFCU and 98% of other credit unions within the US are insured by the federal National Credit Union Association (NCUASIF), which provides the same protections that the Federal Deposit Insurance Corporation provides to banks, with insurance coverage on deposits up to $250,000.
Online Banking and Mobile Apps
Another reason to choose a credit union over a Harlingen bank is that VFCU members can enjoy fast, free, and easy-to-use online banking and bill pay services. Along with three convenient forms of mobile banking via:
- Apple Pay
- UChoose rewards
- Mobile Check Deposit
- Online Banking and Bill Pay
We are Community Focused
Some banks are known for providing services that treat their customers as consumers. Unlike banks, VFCU was created to support their community. We are a not-for-profit financial cooperative providing community-friendly financing.
Easy to Join
It is as easy as applying online from the comfort of your phone or laptop. Apply for loans too from home and get financing as soon as possible.
Finance with VFCU
Apply for financing for vehicles, personal loans in Harlingen, recreational vehicles and even consolidation loans! Contact us if you have any questions regarding our services.