Valleystar Credit Union

Headquarters

Po Box 5511
Martinsville, VA 24115
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.65% →
1-Year CD 0.45% 2.02% →
2-Year CD 0.65% 3.00% →
5-Year CD 1.05% 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Valleystar is an NCUA insured institution located in Martinsville, VA. It was founded in 1953 and has approximately $615.06 millions in assets.

Who can join?

MDCU membership is open to anyone who lives or works in the cities of Martinsville and Danville and the counties of Franklin, Henry, Patrick and Pittsylvania. Membership is also open to anyone who is an immediate family member of a current MDCU member.

NCUA Insured Yes / State-Chartered
Charter Number # # 66924
Date Established 1953
Assets $615.06 million
Loans $412.07 million
Deposits $511.01 million
Capital $62.97 million
 

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the Virginia counties of Pittsylvania, Henry, Patrick, Franklin and Roanoke, North Carolina counties of Rockingham, Stokes, and Caswell, the Virginia cities of Danville, Martinsville, Salem, and Roanoke, and the North Carolina cities of Reidsville, King and Eden.

Deposit Rates - June 25, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $99 Learn MoreShow Less
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 25, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for VALLEYSTAR

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
5.492% 5.375% 0.88 $3,275 $1,400 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.240 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to VALLEYSTAR
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Valleystar branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Valleystar Locations



Climate Initiatives

VALLEYSTAR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Valleystar Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valleystar. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Valleystar U.S. Average
11.20% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Valleystar had $7,259,605 in non-current loans and $107,260 in owned assets. To cover these potential losses it had $62,971,571 in net worth and $2,832,245 in loans loss reserves. That gives it a Texas Ratio of 11.20%.

Net Worth
Valleystar U.S. Average
10.23% 12.36%

Valleystar FCU has a net worth of 10.23% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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