What are the current interest rates at ValleyStar Credit Union?

Current rates for ValleyStar Credit Union include: 12-Month CD: 0.17%, 60-Month CD: 0.55%, Savings: 3.04%, MMA: 3.04%

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ValleyStar Credit Union

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ValleyStar Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

ValleyStar Credit Union's top rates as of October 13, 2026 are 0.55% APY on its CDs (Business & Consumer) - 60 month CD, 3.04% APY on savings, 3.04% APY on money market accounts, 1.00% APY on checking, and personal loans from 9.74% APR, according to rates verified by MonitorBankRates. Other ValleyStar Credit Union CD rates include CDs (Business & Consumer) - 48 month at 0.42%, CDs (Business & Consumer) - 36 month at 0.40%, and CDs (Business & Consumer) - 12 month at 0.17%. 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 10.13%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.13%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

ValleyStar Credit Union
Martinsville

35 Dupont Rd
Martinsville, VA 24112-4618

https://www.valleystar.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

ValleyStar Credit Union Business CD Rates

Product	Rate	APY	Term
Certificates (Business & Consumer) - 60 month	0.55%	0.55%	60 month
Min Deposit $2,500 Details Membership eligibility is required; $2,500 minimum deposit for term share certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Certificates (Business & Consumer) - 48 month	0.42%	0.42%	48 month
Min Deposit $2,500 Details Membership eligibility is required; $2,500 minimum deposit for term share certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.42% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Certificates (Business & Consumer) - 36 month	0.40%	0.40%	36 month
Min Deposit $2,500 Details Membership eligibility is required; $2,500 minimum deposit for term share certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Certificates (Business & Consumer) - 12 month	0.17%	0.17%	12 month
Min Deposit $2,500 Details Membership eligibility is required; $2,500 minimum deposit for term share certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.17% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Certificates (Business & Consumer) - 6 month	0.15%	0.15%	6 month
Min Deposit $2,500 Details Membership eligibility is required; $2,500 minimum deposit for term share certificates Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Savings Rates

Product	Rate	APY
Turbo High-Yield Savings Account (Consumer Money Market)	3.00%	3.04%
Min Balance $15,000 Details Balance: $15,000 and over; Dividend rate based on U.S. Prime Rate (WSJ) minus 4.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79% Oct 5, 20263.04%▲ from 2.79% Sep 14, 20262.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Turbo High-Yield Savings Account (Consumer Money Market)	0.06%	0.06%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99; Dividend rate and APY are variable and may change after account opening Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Clubs	0.025%	0.025%
Details Balance: Any balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Savings	0.025%	0.025%
Details Balance: Any balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Business Savings Rates

Product	Rate	APY
Business Clubs	0.025%	0.025%
Details Balance: Any balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Savings	0.025%	0.025%
Details Balance: Any balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Money Market Rates

Product	Rate	APY
Turbo High-Yield Savings Account (Consumer Money Market)	3.00%	3.04%
Min Balance $15,000 Details Balance: $15,000 and over; Dividend rate based on U.S. Prime Rate (WSJ) minus 4.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79% Oct 5, 20263.04%▲ from 2.79% Sep 14, 20262.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Turbo High-Yield Savings Account (Consumer Money Market)	0.06%	0.06%
Min Balance $2,500 Details Balance: $2,500 - $14,999.99; Dividend rate and APY are variable and may change after account opening Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Business Money Market Rates

Product	Rate	APY
Performance Money Market (Business)	3.00%	3.04%
Min Balance $50,000 Details Balance: $50,000 and over; Dividend rate based on U.S. Prime Rate as published in the Wall Street Journal, minus 4.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79% Oct 5, 20263.04%▲ from 2.79% Sep 14, 20262.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Performance Money Market (Business)	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Performance Money Market (Business)	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Performance Money Market (Business)	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Checking Rates

Product	Rate	APY	View More
Checking	1.00%	1.00%
Min Balance $500 Details Balance: Daily balance $500-$10,000; Dividends are earned on the portion of the account balance between $500 and $10,000. Balances below $500 do not earn dividends. Any portion of the balance above $10,000 does not earn dividends. Actual APY may be lower depending on average daily balance. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	1.00%	1.00%
Min Balance $500 Details Balance: $500 - $10,000; Dividends earned on the portion of the balance between $500 and $10,000; balances below $500 do not earn dividends; balances above $10,000 do not earn dividends; actual APY may be lower depending on average daily balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Checking	0.01%	0.01%
Min Balance $2,500 Details Balance: Over $2,500 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Business HELOC flexLOCK	-	-	7.50%	60 months
Details Index-based HELOC (Prime Rate plus margin); rates effective as of 10/2/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 5, 20267.50%▲ from 7.25% Sep 18, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
HELOC flexLOCK	-	-	7.50%	60 months
Details Index-based APR (Prime Rate, WSJ Money Rates); APR ceiling 10.0%, floor 3.75% Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 5, 20267.50%▲ from 7.25% Sep 18, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business HELOC flexLOCK	-	-	8.00%	120 months
Details Index-based HELOC (Prime Rate plus margin); rates effective as of 10/2/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 5, 20268.00%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
HELOC flexLOCK	-	-	8.00%	120 months
Details Index-based APR (Prime Rate, WSJ Money Rates); APR ceiling 10.0%, floor 3.75% Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 5, 20268.00%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business HELOC flexLOCK	-	-	8.50%	180 months
Details Index-based HELOC (Prime Rate plus margin); rates effective as of 10/2/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 5, 20268.50%▲ from 8.25% Sep 18, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
HELOC flexLOCK	-	-	8.50%	180 months
Details Index-based APR (Prime Rate, WSJ Money Rates); APR ceiling 10.0%, floor 3.75% Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Oct 5, 20268.50%▲ from 8.25% Sep 18, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Light Truck Loans - New Vehicle (Never titled)	-	-	5.74%	60-84 months
Details As Low As; Model Year: New Vehicle (Never titled); Rates subject to membership length, credit score, and credit approval Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Auto/Light Truck Loans - New Vehicle (Never titled)	-	-	5.74%	60-84 months
Details As Low As; Model Year: New Vehicle (Never titled); Max Term of Loan Months: 60-84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Auto/Light Truck Loans - Used Vehicle (2023-2025)	-	-	6.24%	60-84 months
Details As Low As; Model Year: Used Vehicle (2023-2025); Rates subject to membership length, credit score, and credit approval Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Auto/Light Truck Loans - Used Vehicle (2023-2025)	-	-	6.24%	60-84 months
Details As Low As; Model Year: Used Vehicle (2023-2025); Max Term of Loan Months: 60-84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Auto/Light Truck Loans	-	-	6.49%	60 month
Details Example loan amount: $25,000; example payment: $488.10; Vehicles with 120,000 miles or more add .50%; Vehicles 8 years and older classified as other collateral; Loans in A or B tier may have up to .50% buy down rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Auto/Light Truck Loans	-	-	6.49%	60 months
Details Payment example: $25,000 loan, $488.10 payment; Vehicles with 120,000 miles or more add .50%; Vehicles 8 years and older classified as other collateral; A or B tier loans may have up to .50% buy down rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Auto/Light Truck Loans - Used Vehicle (2019-2022)	-	-	7.49%	60-72 months
Details As Low As; Model Year: Used Vehicle (2019-2022); Rates subject to membership length, credit score, and credit approval Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Auto/Light Truck Loans - Used Vehicle (2019-2022)	-	-	7.49%	60-72 months
Details As Low As; Model Year: Used Vehicle (2019-2022); Max Term of Loan Months: 60-72 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Auto/Light Truck Loans - Used Vehicle (2018 and older)	-	-	9.99%	60 months
Details As Low As; Model Year: Used Vehicle (2018 and older); Rates subject to membership length, credit score, and credit approval Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Auto/Light Truck Loans - Used Vehicle (2018 and older)	-	-	9.99%	60 months
Details As Low As; Model Year: Used Vehicle (2018 and older); Max Term of Loan Months: 60 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Business New Boat/Jetski Loan	-	7.99%	84-180 months
Details As Low As; Recreational Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business New RV Loan	-	7.99%	84-180 months
Details As Low As; Recreational Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Recreational Vehicle Loans	-	7.99%	84 months
Details Payment example: $30,000 loan, $467.44 payment; Vehicles with 120,000 miles or more add .50%; Vehicles 8 years and older classify as other collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Boat/Jetski Loan	-	7.99%	84-180 months
Details As Low As; Recreational Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New RV Loan	-	7.99%	84-180 months
Details As Low As; Recreational Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Recreational Vehicle Loans - New Boat/Jetski	-	7.99%	84-180 months
Details As Low As; Loan Type: New Boat/Jetski Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Recreational Vehicle Loans - New RV	-	7.99%	84-180 months
Details As Low As; Loan Type: New RV Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Motorcycle Loans - New Motorcycle	-	8.49%	60 months
Details As Low As; Model Year: New; Max term of loan: 60 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Motorcycle Loans	-	8.49%	60 month
Details Example loan amount: $20,000; example payment: $410.21; Vehicles with 120,000 miles or more add .50%; Vehicles 8 years and older classify as other collateral Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
New Motorcycle Loan	-	8.49%	60 months
Details As Low As; Motorcycle Loans; Max Term of Loan Months: 60 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Used Boat/ Jetski (2019 or older) Loan	-	8.74%	84-120 months
Details As Low As; Recreational Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Recreational Vehicle Loans - Used Boat/ Jetski	-	8.74%	84-120 months
Details As Low As; Model Year: 2019 or older Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Used Boat/ Jetski (2019 or older) Loan	-	8.74%	84-120 months
Details As Low As; Recreational Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Motorcycle Loans - Used Motorcycle (2019 or Newer)	-	9.49%	60 months
Details As Low As; Model Year: 2019 or Newer; Max term of loan: 60 months; Vehicles with 120,000 miles or more, add .50% to the above interest rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Used Motorcycle (2019 or Newer) Loan	-	9.49%	60 months
Details As Low As; Motorcycle Loans; Model Year: 2019 or Newer; Max Term of Loan Months: 60; Vehicles with 120,000 miles or more add .50% to the interest rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	9.74%	60 months
Details Personal loans in A or B tier may have up to .25% buy down rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Personal Loan	9.99%	60 months
Details As Low As; Rates (APR) as low as 9.99%; subject to membership length, credit score, and credit approval Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

ValleyStar Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Other Collateral Loan	-	-	9.99%	60 months
Details As Low As; Other Collateral rate per table summary; vehicles 8 years and older are classified as other collateral per footnote Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 9.99% ▼ 0.50 pts · high 10.49% / low 9.99% Oct 13, 20269.99%▼ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Other Collateral Loan	-	-	10.49%	60 months
Details Payment example: $15,000 loan, $319 payment; Vehicles with 120,000 miles or more add .50%; Vehicles 8 years and older classified as other collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Business Ready-Set-Go Loan	-	-	18.00%	18 months
Details As Low As; Personal loans in A or B tier may have up to .25% buy down rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Other Collateral Loan	-	-	9.99%	60 months
Details As Low As; Max Term of Loan Months: 60; Vehicles 8 years and older classified as other collateral Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.49% → 9.99% ▼ 0.50 pts · high 10.49% / low 9.99% Oct 13, 20269.99%▼ from 10.49% Sep 14, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Other Collateral Loan	-	-	10.49%	60 month
Details Example loan amount: $15,000; example payment: $319; Vehicles with 120,000 miles or more add .50%; Vehicles 8 years and older classified as other collateral Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%
Ready-Set-Go Loan	-	-	18.00%	18 months
Details As Low As; Rates (APR) as low as 18.00%; subject to membership length, credit score, and credit approval Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.13%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

ValleyStar Credit Union’s Texas Ratio rose from 7.94% in Q3 2023 to 10.13% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$503M	10.13%	5.0	A
March 31, 2026	$518M	6.52%	5.0	A
December 31, 2025	$540M	7.78%	5.0	A
September 30, 2025	$546M	6.30%	5.0	A
June 30, 2025	$562M	5.75%	5.0	A+
March 31, 2025	$576M	9.35%	5.0	A
December 31, 2024	$586M	13.07%	5.0	A
September 30, 2024	$600M	9.38%	5.0	A
June 30, 2024	$601M	8.96%	5.0	A
March 31, 2024	$648M	7.58%	5.0	A
December 31, 2023	$660M	18.06%	4.7	B+
September 30, 2023	$671M	7.94%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 Betty Ray

CEO Linwood Windley

Full-Time Employees 134

Part-Time Employees 3

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.13%

Return on Assets (ROA)

-0.5248%

Return on Equity (ROE)

-5.1181%

Non-Performing Loans Ratio (NPL)

1.76%

Total Assets

503,372,016

Total Amount of Shares and Deposits

406,080,018

Total Shares and Deposits < 1 Year

361,392,038

Total Shares and Deposits 1 3 Years

40,601,738

Total Shares and Deposits > 3 Years

4,086,241

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

31,196,011

Total Uninsured Shares and Deposits > $250K (F+J)

31,196,011

Total Insured Shares and Deposits > $250K (item 17 less item K)

374,884,007

Total Interest Expense (Sum of items 6 8)

3,738,568

Share Certificates

1,302

Number of Accounts for Share Drafts

22,977

IRA KEOGH Accounts

677

Number of Accounts for Regular Shares

38,104

All other shares

2,373

Non Member Deposits

Money Market Shares

787

Net Income (unless the amount is already included in Undivided Earnings)

-2,641,877

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,223,058

Total Liabilities

460,362,875

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ValleyStar Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About ValleyStar Credit Union

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

12-Month CD0.17%
60-Month CD0.55%
Savings3.04%
MMA3.04%

Retrieved from our database of financial products. Rates subject to change.

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ValleyStar Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

ValleyStar Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About ValleyStar Credit Union

How many branches does ValleyStar Credit Union operate?

Is a member application needed to join ValleyStar Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does ValleyStar Credit Union offer online and mobile banking?

Current ValleyStar Credit Union Rates

Compare to Other Credit Unions