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Valleystar

PO Box 5511, Martinsville, VA 24115
NCUA Insured4.7 (720 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 5511

Martinsville, VA 24115

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(276) 632-1679

Service Area

This credit union is located in Martinsville and serves members in the VA area. Currently serving 36,551 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

5.74%

Personal Loan

12.24%

Credit Card APR

12.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Pentagon— New Auto Loan

Mclean, VA

1.99%
Pentagon— Used Auto Loan

Mclean, VA

2.59%
Suncomp Employees— Personal Loan

Bristol, VA

4.92%
Newport News Mun. Emp Credit Union— Credit Card APR

Newport News, VA

7.49%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.7

720 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Barry Warren

Barry Warren

3 months ago

Kati Grindstaff was extremely knowledgeable and very friendly in helping me with my financial needs today. She went above and beyond my expectations to see that my needs were taken care of. Excellent job!!!

Katelynn Harper

Katelynn Harper

6 months ago

Kati Grindstaff was absolutely amazing! She was so helpful, explained everything we needed to know and kept in contact with us during our entire experience. I HIGHLY recommend working with her!

Travis Hundley

Travis Hundley

3 months ago

Katie is amazing!!!!! She made the process very easy even with the changes we had to make. I would 100% recommend using ValleyStar and Kati. Thank you again

Brenda Craig

Brenda Craig

4 months ago

My experience with a consolidation loan was fast and effortless with the help of Rebeka Grimmett! She was extremely professional and so kind, giving me helpful hints along the way to help me stay on track. Shes genuinely cares and is ready to help in any way she can through the entire process!

Victoria DeLappe

Victoria DeLappe

7 months ago

Kati was absolutely amazing to work with! She helped me throughout the entire process, kept me up to date with things, and helped work around my busy schedule! Couldn’t have asked for better service!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).