Valleystar Credit Union Collinsville VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Valleystar, your trusted financial partner located at 41 Wheeler Ave, Collinsville, VA 24078. Since our establishment in 1953, we have proudly served our community, growing to a strong membership of 37,784 individuals who rely on us for their financial needs. Our commitment to providing personalized banking services is reflected in our impressive total assets of $600,169,503 and total deposits amounting to $1,455,181. At Valleystar, we believe in fostering relationships that last. Under the leadership of CEO Mike Warrell and Board President James Rorrer, we focus on empowering our members through a range of services including auto loans, personal banking, and business loans. With over 163 employees dedicated to serving you, we ensure that every interaction is friendly and beneficial. While members can visit us at our Collinsville branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 5511, Martinsville, VA 24115. Whether you're looking to open a new account or need assistance with existing services, we are just a phone call away at (276) 632-9610. Join us in shaping a brighter financial future together! Visit our website at valleystar.org to learn more about how we can help you achieve your financial goals.

Branch History & Mission

Community Engagement

We believe in giving back to the community that has supported us throughout the years. Valleystar actively engages in partnerships and outreach programs aimed at enhancing the lives of those around us. Whether it's through local sponsorships or volunteer work, we strive to make a meaningful impact. Our operating hours are designed for your convenience: the lobby is open from 9 AM to 5 PM Monday through Friday, while the drive-thru operates until 6 PM on weekdays and is available from 9 AM to 1 PM on Saturdays. Join us at Valleystar in Collinsville! Experience firsthand how we can help you reach your financial goals while being an active member of a supportive community. For any questions or assistance, feel free to call us at 276-632-9610 or visit our website at valleystar.org. Let's build a brighter future together!

Our Mission

Valleystar is more than just a credit union; we are a pillar of support for our community. Our mission focuses on empowering individuals by offering accessible financial solutions that cater to both personal and business needs. We provide a range of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our goal is to help our members achieve their financial dreams while fostering economic growth within our community. As part of our commitment to inclusivity and accessibility, we ensure that our facilities comply with ADA standards. Additionally, we offer digital banking options so that you can manage your finances anytime and anywhere. Our drive-thru service allows for quick transactions without leaving your vehicle.

Branch Location & Accessibility

Accessibility Features

At Valleystar, we believe that everyone should have access to quality banking services. Our branch is fully ADA compliant, featuring ramps and accessible parking spaces to ensure that all members can enjoy their visit comfortably. Our friendly staff is always ready to assist with any specific needs you may have.

Connect With Us

If you have questions or need assistance before your visit, feel free to give us a call at 276-632-9610. Our team is eager to help you navigate your financial journey. We look forward to welcoming you at Valleystar in Collinsville your community-focused credit union!

Operating Hours & Services

Our operating hours are designed with your busy schedule in mind. You can visit our lobby Monday through Friday from 9 AM to 5 PM, or take advantage of our drive-thru service from 8 AM to 6 PM on weekdays and from 9 AM to 1 PM on Saturdays. This flexibility makes it easier than ever for you to manage your banking needs. We offer a variety of services tailored just for you, including personal checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and even business banking solutions. With ATM availability right here at the branch, accessing cash or checking your balance is quick and hassle-free.

Business Banking & Commercial Services

Merchant Services that Work for You

In addition to loans, we offer comprehensive merchant services to streamline your transactions. Imagine being able to accept payments quickly and securely, whether in-store or online. Our services not only simplify payment processing but also enhance customer satisfaction giving you more time to focus on what matters most: growing your business. Located at 41 Wheeler Ave Collinsville Va 24078, Collinsville, VA 24078, we're here to provide the financial support your business deserves. Contact us at (276) 632-9610 to learn more about how we can assist you today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $352 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $164,265,239, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Support

Running a business comes with its own set of challenges. At Valleystar, we offer comprehensive business banking services, including merchant services and business loans to help your business thrive. We understand how crucial it is to have reliable financial support, and our team is here to provide guidance tailored specifically for entrepreneurs.

Cash Withdrawal Services

Need cash? Our ATM services provide quick access to your funds whenever needed. Plus, our basic drive-thru banking offers an efficient way to handle deposits, withdrawals, and simple transactions without leaving your car. At Valleystar, we strive to ensure that all of our members have access to the financial resources they need in a way that's convenient and personalized. If you'd like more information about any of these services or want assistance getting started, feel free to give us a call at (276) 632-9610 or visit us online at Collinsville. We look forward to serving you!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and even pay bills right from your smartphone making banking easier than ever.

Credit Card Rewards

For those who love rewards, our credit cards with rewards program lets you earn points on everyday purchases. Imagine earning cash back while shopping for groceries or fueling up your car it's just one more way we support your financial goals.

Flexible Personal Loans

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation options come into play. Whether it's for medical bills, home repairs, or consolidating debts into one manageable payment, we offer personal loans with favorable terms that help you regain control of your finances.

Home Financing Made Easy

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans and refinancing services are designed with you in mind. We guide you through every step of the process, helping you secure a loan that fits your budget while making homeownership a reality.

Personal Banking Solutions

Whether you're starting your first savings account or looking for a reliable checking account, Valleystar has you covered. Our personal banking services include checking and savings accounts tailored to your needs. Imagine having a checking account that not only simplifies your daily transactions but also helps you save money effortlessly with features like automatic transfers. If you're considering a new vehicle, our auto loans and vehicle financing options make it easy for you to hit the road without breaking the bank. With competitive rates and flexible terms, we ensure that your car-buying experience is as smooth as possible.

Digital & Online Banking

Anytime Access

With 24/7 online banking services available, you can check your account or make transactions whenever it fits into your schedule. Whether it's early in the morning or late at night, you're always in control. And if you're on the move, our mobile payments feature lets you make quick purchases directly from your phone no need for cash or cards. In short, at Valleystar, we're committed to providing digital banking solutions that not only save you time but also enhance how you manage your money. Join us today and experience the convenience and security of modern banking!

Key Services

Our online banking platform at https://www.valleystar.org/ allows you to view your account balances, transfer funds between accounts, and pay bills with ease. Need to send money to a friend? Our person-to-person transfer feature makes it as simple as sending a text message. Plus, our mobile application gives you access to all these features right from your smartphone, so you can manage your finances wherever you are. Security is paramount at Valleystar. We use electronic signature authorization for certain transactions to ensure that your information is protected. E-statements are also available for those who prefer digital records over paper ones, making it easier to keep track of your finances without the clutter.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 69,969, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $4,052,523. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valleystar is your trusted partner. Visit us at 41 Wheeler Ave Collinsville Va 24078 or call (276) 632-9610 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member Savings and Investments

Members' savings are secured through $104,319,441 in share certificates and $26,917,932 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $59,492,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $-$1,693,748 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 163 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $60,741,413, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.10% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment in Services

With $56,738,170 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $5,949 in used auto loans and $456,303,177 in total loans and leases to support your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $84,140,658 in used vehicle loans and $13,287,278 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can afford the vehicle you need. Whether it's for a brand-new model or a reliable used car, we have options that fit your budget.

Business Loans

For those looking to grow their business, our outstanding commercial loans totaling $164,265,239 provide the capital needed to expand operations or invest in new opportunities. We are committed to supporting local businesses in our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,493,940, make buying or refinancing simple. We guide you through every step of the process, making it easier for you to secure a place you can truly call home.

Refinancing Options

If you're considering refinancing an existing loan, we have options available that could save you money on your monthly payments. Reach out to us for more information on how we can help streamline your current financial obligations. Our team is dedicated to providing personalized service and support throughout the loan application process. Feel free to contact us at (276) 632-9610 or visit us at 41 Wheeler Ave Collinsville Va 24078 for more information about our loan offerings or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together toward achieving your financial dreams!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $9,947,412 in loans helping members manage their finances effectively. These cards come with rewards and benefits tailored to help you make the most out of your spending.

Loan Aggregator

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VALLEYSTAR CREDIT UNION - Collinsville, VA

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