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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ValleyStar Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
ValleyStar Credit Union's 60 month CDs (Business & Consumer) rates are at 0.55%, 48 month CDs (Business & Consumer) rates are at 0.42%, 36 month CDs (Business & Consumer) rates are at 0.40%, 12 month CDs (Business & Consumer) rates are at 0.17%, 6 month CDs (Business & Consumer) rates are at 0.15%. ValleyStar Credit Union's savings rates are at 0.03%. ValleyStar Credit Union's money market rates are at 0.05%. ValleyStar Credit Union's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of ValleyStar Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.99%. Rates were last updated on 04/08/2026. ValleyStar Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ValleyStar Credit Union? Share your experience about ValleyStar Credit Union by leaving a review below, or read customer reviews before you decide to use ValleyStar Credit Union. ValleyStar Credit Union
Martinsville 35 Dupont Rd
https://www.valleystar.org Martinsville, VA 24112 4618 
ValleyStar Credit Union CD Rates
ValleyStar Credit Union Savings Rates
ValleyStar Credit Union Money Market Rates
ValleyStar Credit Union Checking Rates
ValleyStar Credit Union Home Equity & HELOC
ValleyStar Credit Union Auto Loan Rates
ValleyStar Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ValleyStar Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather ValleyStar Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with ValleyStar Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ValleyStar Credit Union
Website
https://www.valleystar.org
Address
35 Dupont Rd,
Martinsville, VA 24112 4618
Phone
276-632-1679
Fax
276-632-9610
President
James Rorrer
CEO
Mike Warrell
Full-Time Employees
154
Part-Time Employees
0
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.99%
Return on Assets (ROA)
-0.4142%
Return on Equity (ROE)
-4.0736%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
545,891,777
Total Amount of Shares and Deposits
437,415,249
Total Shares and Deposits < 1 Year
373,476,466
Total Shares and Deposits 1 3 Years
47,908,189
Total Shares and Deposits > 3 Years
16,030,594
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,738,102
Total Uninsured Shares and Deposits > $250K (F+J)
33,738,102
Total Insured Shares and Deposits > $250K (item 17 less item K)
403,677,147
Total Interest Expense (Sum of items 6 8)
6,556,529
Share Certificates
1,853
Number of Accounts for Share Drafts
23,363
IRA KEOGH Accounts
621
Number of Accounts for Regular Shares
40,514
All other shares
2,023
Non Member Deposits
8
Money Market Shares
399
Net Income (unless the amount is already included in Undivided Earnings)
-2,260,876
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,818,390
Total Liabilities
500,454,432
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ValleyStar Credit UnionIs ValleyStar Credit Union a safe place to deposit money?Yes, ValleyStar Credit Union is considered a safe financial institution. With a Texas Ratio of 6.9870744153004%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does ValleyStar Credit Union operate?ValleyStar Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join ValleyStar Credit Union?Yes, to access services at ValleyStar Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, ValleyStar Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, ValleyStar Credit Union provides members with tools to manage their accounts and build a solid financial history. Does ValleyStar Credit Union offer online and mobile banking?Most modern institutions like ValleyStar Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.valleystar.org. Current ValleyStar Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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