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Opt-in for Overdraft Privilege
The Federal Reserve recently amended its regulations regarding Overdraft Privilege on your Debit and ATM cards.
Beginning August 15th, VFCU will not pay your ATM and debit card transactions that would overdraw your account unless you opt-in, giving VFCU permission to make payment on those transactions.
Many members prefer having this service to avoid the embarrassment of having their debit card purchase declined at the store checkout line or at a restaurant when paying the bill.
Your action is required in order for the Overdraft Privilege service to remain the same on your Debit or ATM card. Read complete details, including standard practices and overdraft fees. Call (888) 272-8228 or (210) 345-2222 with any questions.
Spotlight On - Mobile Texting
Your busy lifestyle demands better ways to stay on top of your money matters. With VFCU's Mobile Texting, you now have access to check your account balance via a simple text message. It's simple, secure, and it puts the power of information at your fingertips to help you get fast answers and make smarter decisions on the go.
- View account balances and review transactions with a simple text
- Works on any phone that can text
- No data plan required
Best of all, VFCU's Mobile Texting is FREE*!
Get started by logging into Online Banking and clicking the "Mobile Banking & Alerts" button.
*Message and data rates may apply from your wireless carrier.
Vacation Time!
Pack your bags and leave the financing to us! Valero FCU has the funds you need to take your dream vacation this summer.
Get there with a Vacation Loan, with rates as low as 4.90% APR*.
Apply Today!
*All applications are subject to eligibility. The specific rate will be dependent on your credit rating and amount financed. APR=Annual Percentage Rate. Minimum loan amount is $1,000. Term is 12 months. Rate effective 6/1/10-9-30/10. No VFCU refinancing available.
Balance - Financial Education and Counseling
At VFCU, we care about our members. That's why we have partnered with a financial fitness program called BALANCE. Through this partnership, you now have access to Free and Confidential financial counseling services.
Info Line
Certified financial counselors are available to answer your questions about money management and other personal finance topics. Counseling services are available in both English and Spanish.
Money Management Counseling
Certified financial counselors help you develop both short and long term financial strategies.
Debt Management Plan
Consolidate your credit card payments, lower monthly payments, and even reduce or eliminate interest and fees.
Credit Report Review
A counselor will review your credit report with you, making sure you know your rights. BALANCE can even provide low-cost credit reports.
Call BALANCE toll-free at (888) 456-2227
BALANCE also offers Financial Education. Go through these self-paced lessons to strengthen your financial knowledge.
Learn about how to protect yourself from Identity Theft.
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On Your Way is a site specifically for VFCU members between the ages of 18 and 30. You'll find educational videos, a financial blog, and a place for you to ask any financial questions you have. Joining the On Your Way club is free. Once on the site, click on CU News and get registered - then you'll be eligible for various prizes just for visiting the site. The more often you visit, the greater your chances for winning the prizes. It's time to get On Your Way.
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