Business Details
Your Trusted Financial Partner in Virginia
ValleyStar Credit Union has been dedicated to empowering members with innovative financial solutions and community-focused services. Our commitment to financial safety and accessibility is demonstrated through features like Early Pay, which provides access to direct deposit funds up to two days early, and Joy Telephone Banking, offering 24/7 account access. We specialize in personalized loan programs including mortgage loans, home equity financing, and flexible auto loan refinancing with cashback incentives. Our investment in local communities is evidenced by over $1.3 million in donations and scholarships since 1996. Members benefit from competitive savings rates, including 1% APY on checking accounts with direct deposit requirements.We maintain strict compliance with financial regulations and prioritize member education through resources like our First Time Homebuyer Series. Our digital banking platform combines security with convenience, featuring mobile access, eStatements, and clickSWITCH for seamless account management. With a heritage of service spanning decades, we continue expanding our reach through strategic partnerships like the Allpoint ATM Network, providing surcharge-free access at 55,000 locations worldwide. Our team of financial professionals delivers tailored guidance through in-person appointments and automated telephone services. We maintain transparency in operations while continuously innovating to meet evolving member needs.
Services
Personal Checking
Mortgage Loans
Auto Refinancing
Credit Cards
Savings Accounts
Business Banking
Wire Transfers
ATM Access
Financial Education
Loan Protection
Highlights and features
- We offer Early Pay access to direct deposit funds up to two days early
- Our team provides personalized financial guidance through scheduled appointments
- We've invested over $1.3 million in local communities since 1996
- Our Allpoint Network partnership offers 55,000 surcharge-free ATMs nationwide
- We maintain strict compliance with financial regulations and security standards
Services
Personal Checking
Our personal checking accounts offer 1% APY with direct deposit requirements and seamless digital integration. Members enjoy Early Pay access to funds up to two days early and 24/7 account management through mobile banking. The accounts include free online bill pay and nationwide ATM access through the Allpoint Network.
Auto Loan Refinance
We provide auto loan refinancing with 1% cashback up to $300 for qualified applicants. This program applies to existing vehicle loans from other institutions, including cars, trucks, boats, and RVs. Our flexible terms help members reduce interest rates and pay off loans faster through personalized refinancing solutions.
Mortgage Loans
Our mortgage loan programs include traditional home purchases and home equity financing options. The flexLOCK feature provides rate protection during the loan process. We offer competitive rates and personalized guidance through the entire mortgage journey, from pre-approval to closing, with specialized support for first-time homebuyers.
Savings Accounts
We offer multiple savings options including money market accounts, share certificates, and IRAs. Current members earn 1% APY on qualifying balances. Our savings products integrate with digital banking tools for easy tracking and management, helping members achieve short-term and long-term financial goals with competitive interest rates.
Digital Banking
Our digital banking platform provides 24/7 access to account management, bill payment, and financial tools. Features include mobile check deposit, account alerts, and clickSWITCH for easy account transfers. The secure system integrates with budgeting tools and allows instant loan payments through our mobile application.
Questions
How do I access my account after hours?
Use our Joy Telephone Banking system or mobile app for 24/7 account access.
What loan options are available for first-time homebuyers?
We offer specialized mortgage programs with educational resources through our First Time Homebuyer Series.
Can I refinance my existing auto loan?
Yes, we offer auto loan refinancing with 1% cashback up to $300 for qualified applicants.
How do I schedule an appointment with a financial specialist?
Visit our website to schedule an appointment for loan consultations or financial guidance.
What community initiatives does ValleyStar support?
We've donated over $1.3 million to local causes including Children's Miracle Network and educational scholarships.
Where can I find surcharge-free ATMs?
Access 55,000 surcharge-free ATMs worldwide through our Allpoint Network partnership.
Reviews (7)
Lx Bx
Dec 02, 2021
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Valley Star Credit Union is an okay place if you need a mediocre bank account, but if you don't have good credit or you're on a fixed income I'd say keep it moving because their underwriting dept. is heartless.
Kaitlen Fox
Nov 29, 2021
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Was trying to get an Auto loan and even with a co-signer they said I needed to boost my credit score and to apply for a credit card, but when I went to apply for one. They couldn't give me one because I have no credit
Jenny Dareing
Aug 29, 2021
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So my sister had an issue lasting quite some time with Valleystar however after speaking with an amazing representative we were able to get it resolved and Valleystar helped in the most effective and efficient way possible and provided a much needed relief and excellent customer service and experience! Thank you
Laurie Erickson
Jul 03, 2021
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I have been a member of Valley Star Credit Union for many years. I am disheartened to learn that this credit union has been debiting my account monthly for not having e-statements set up. I did not receive a notice about this new policy and it is incredibly disappointing to learn that my savings have been eaten up with imposed fees. I was able to reach a customer service representative who patiently tried to assist me with setting up an online account, but the system is not user friendly and I had trouble setting this up. Unfortunately we were disconnected and the problem was not resolved. At this
Bill Iannone
Jun 12, 2021
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I do not recommend this bank to anyone that wants to be treated as a human being, or even treated as if they want your buisness. They seem to be in a buisness to go out of buisness. My wife had an appointment to open a new account or 2 and they made it seem like they didn't want her money or buisness. They seemed to have an issue with our last name. They seemed to have an issue with her buisness she has here on our farm. She actually came home in tears. I have called all the management that I could today and have yet to hear back from any of them. Branch manager included. Run away from them. Don
Daniel Smith
May 14, 2021
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I closed my account in March and was supposedly sent a cashier's check for my remaining balance. Two months later and I have not received the check. Each time I have called about this, customer service seems incompetent. They are unable to do anything for six months until they can reissue another cashier's check. Avoid this bank.
Peggy Newman
Mar 30, 2021
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Been a customer for a few years now. Have several accounts with them. Made a large deposit and instead of verifying the funds and making them available, they hold your money for 7 days. Per their bank policy. When these funds are available I will be closing my account. And paying off the others. I will never deal with these people again. They are getting as bad as Bank of America.