ValleyStar Credit Union Credit Card Rates

How ValleyStar Credit Union’s credit card rates compare

Compared with banks and credit unions near Roanoke, VA, where ValleyStar Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
ValleyStar Credit Union
– –
No ongoing APR published
Lowest rate
Beacon Credit Union
8.00%APR
Beacon Credit Union rates
2nd-lowest rate
National Bank of Blacksburg
9.00%APR
National Bank of Blacksburg rates

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	3.99%	None	3.99% Introductory rate for 365 days from account opening date on qualified transactions within the first 90 days of account opening. Credit limit up to $20,000.
Ongoing	10.74%–22.24%	None	Standard rate applies after the 365-day promotional period. Credit limit up to $20,000.

Sources (1)

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	0.00% Introductory rate for 365 days from account opening date on qualified transactions within the first 90 days of account opening. Minimum credit limit of $5,000, credit limit up to $30,000. 5% balance transfer fee applies during first 90 days.
Ongoing	12.74%–24.24%	None	Standard rate applies after the 365-day promotional period. Minimum credit limit of $5,000, credit limit up to $30,000.

Sources (1)

This may be incomplete or out of date, so check with the credit union before you apply.

Anyone who lives, works, worships, or attends school in designated counties and cities across Virginia and North Carolina is eligible to join.

Any business or other legal entity located in eligible cities or counties in Virginia or North Carolina can join.

Membership information collected October 4, 2026.