Credit union · NCUA insured
ValleyStar Credit Union Savings Rates
ValleyStar Credit Union’s best savings rate is 0.03% APY on $10,000, with its Savings. Rates checked October 22, 2026.
How ValleyStar Credit Union’s savings rates compare
Compared with banks and credit unions near Roanoke, VA, where ValleyStar Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ValleyStar Credit Union
0.06%APY
- Minimum
- —
- Earns on $10,000 a year
- $6
Turbo High-Yield Savings Account (Consumer Money Market)
Top rate
Beacon Credit Union
4.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Freedom First
3.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $325
ValleyStar Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.06%
- $100,000 balance$100,0003.04%
- QualifiedQualified0.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where ValleyStar Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Turbo High-Yield Savings Account (Consumer Money Market)
0.06%APY
The dividend rate and APY are determined by the Credit Union's Board of Directors and are subject to change at any time. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $15,000For balances below $15,000, the dividend rate and APY are variable and may change after account opening as determined by the Credit Union's Board of Directors. | 0.06% | $6 | For balances below $15,000, the dividend rate and APY are variable and may change after account opening as determined by the Credit Union's Board of Directors. |
| $15,000 and upFor balances of $15,000 and above, the dividend rate is based on the U.S. Prime Rate as published in The Wall Street Journal, minus 4.00%. Rate adjustments occur on the first day of the month following a change in the Prime Rate. | 3.04% | — | For balances of $15,000 and above, the dividend rate is based on the U.S. Prime Rate as published in The Wall Street Journal, minus 4.00%. Rate adjustments occur on the first day of the month following a change in the Prime Rate. |
Sources (1)
- valleystar.org/bank/savings/money-market · captured Oct 4, 2026
Savings
0.03%APY
Represents membership with ValleyStar. An initial deposit of $1 establishes membership and unlocks credit union products and services; returned upon membership discontinuation.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to 6 free withdrawals per month.Any balance | 0.03% | $3 | Up to 6 free withdrawals per month. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Christmas Club
0.03%APY
Matures October 31 each year. Best performance when tied to direct deposit or automatic transfer from account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (2)
All captured Oct 4, 2026
IRA Savings
0.03%APY
Available as Traditional, Education, and Roth IRA options. Automatic distribution available for Required Minimum Distribution (RMD). Contributions may be tax-deductible.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (2)
All captured Oct 4, 2026
Who can join ValleyStar Credit Union
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.
Membership information collected October 4, 2026.