Credit union · NCUA insured
ValleyStar Credit Union
A $518M credit union headquartered in Martinsville, VA, with 36,271 members and 6 branches in Virginia. Best rates: CDs 0.55% and savings 0.03% APY.
ValleyStar Credit Union Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#17 of 19 in Roanoke, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ValleyStar Credit Union
Serving businesses and families across Virginia since 1953, ValleyStar Credit Union is a member-owned cooperative where earnings are returned to members.
Based in Martinsville, Virginia, the credit union operates six branch locations.
- Headquarters
- 35 Dupont Rd, Martinsville, VA 24112-4618
- NCUA charter
- 66924
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in designated counties and cities across Virginia and North Carolina is eligible to join.
Employers and groups
- Any business or other legal entity located in eligible cities or counties in Virginia or North Carolina can join.
Branches
6 branches in Virginia
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Virginia
6 branches
Martinsville area · 2
- MartinsvilleMain office35 Dupont Rd, Martinsville, VA 24112Directions
- Collinsville41 Wheeler Ave, Collinsville, VA 24078Directions
Roanoke area · 2
- Roanoke3452 Buck Mountain Rd, Roanoke, VA 24018Directions
- Rocky Mount1080 Old Franklin Tpke, Rocky Mount, VA 24151Directions
Danville area · 1
- Danville Main212 Holt Garrison Pkwy, Danville, VA 24540Directions
Staunton area · 1
- Fishersville19 Myers Corner Dr Ste A01, Staunton, VA 24401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.25% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.76% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -1.01% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio10.25%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.76%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-1.01%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of ValleyStar Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.