Check before you give

Rio Grande Valley Credit Union

EIN 74-1367995 · Harlingen, TX

Public records raise at least one point you should look into before giving.

What it says it does

TO BE THE PRIMARY SOURCE FOR FINANCIAL SERVICES AND FINANCIAL EDUCATION FOR OUR MEMBERS.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

This return does not answer enough of the governance questions to score.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (3)

CHECKING ACCOUNTS: RIO GRANDE VALLEY (RGV) CREDIT UNION PROVIDES MEMBERS WITH A VARIETY OF CHECKING ACCOUNT TYPES DESIGNED TO FIT THE MEMBERS' NEEDS. FEATURES CAN VARY ANYWHERE FROM FREE CHECKING TO THOSE THAT ARE INTEREST BEARING. DIVIDENDS ARE PAID MONTHLY AND ALL COME WITH FREE INTERNET ACCESS AND BILL PAY SERVICES. MEMBERS ALSO HAVE FREE ACCESS TO ANY ONE OF RGV CREDIT UNION'S ATMS AND CAN FIND A SURCHARGE FREE ATM THROUGH ALLPOINT ON OUR WEBSITE.
LOANS: RIO GRANDE VALLEY CREDIT UNION PROVIDES MEMBERS WITH AFFORDABLE LOANS FOR THE PURCHASE OF A VEHICLE OR A RECREATIONAL VEHICLE, SUCH AS MOTORCYCLES, BOATS, ETC. CREDIT LIFE AND DISABILITY, GAP AND EXTENDED WARRANTIES ARE ALSO AVAILABLE ON ANY OF THESE PRODUCTS. ALSO, MORTGAGE LOANS ARE AVAILABLE THROUGH A THIRD PARTY PROCESSOR.
SAVINGS ACCOUNTS: RIO GRANDE VALLEY CREDIT UNION SAVINGS ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. DIVIDENDS ARE PAID OUT QUARTERLY AND MEMBERS CAN ACCESS THEIR ACCOUNTS VIA THE INTERNET, ATM, BY PHONE, OR THROUGH HOME BANKING.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1976.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.