Valleystar Credit Union Martinsville VA | Affordable Auto Loans & Business Banking

Introduction

At Valleystar, we believe in building strong relationships with our members and the community. Located at 35 Dupont Rd, Martinsville, VA 24112, we have been serving our members since 1953 with dedication and integrity. With a total membership of 37,784, we pride ourselves on being a trusted financial partner for families and businesses alike. Our commitment to you is reflected in our impressive financial health. With total assets amounting to $600,169,503 and total deposits of $1,455,181, we are here to help you achieve your financial goals. Whether you need personal banking services like checking accounts or auto loans, or business banking solutions such as merchant services and business loans, we've got you covered. Under the leadership of CEO Mike Warrell and Board President James Rorrer, our team of 163 employees is dedicated to providing excellent service every day. Our branch also features convenient services including ATM access, drive-thru banking, and online banking options that allow you to manage your finances from anywhere. While members can visit us at our physical location, official correspondence should be sent to PO Box 5511, Martinsville, VA 24115 if you're reaching out by mail. We invite you to explore how we can support your financial journey. Ready to take the next step? Call us today at 276-632-1679 or visit our website at valleystar.org to learn more about how we can help you thrive financially!

Branch History & Mission

At Valleystar, our journey began in 1953 when we opened our doors in Martinsville, VA. Over the years, we have grown and evolved into a trusted financial partner for our community, now proudly serving over 37,000 members. Our main branch is conveniently located at 35 Dupont Rd, Martinsville, VA 24112, a spot that has become familiar to many in the area. While members can visit us at this address for all their banking needs, official correspondence should be sent to PO Box 5511, Martinsville, VA 24115. Our mission goes beyond just providing banking services; we are committed to fostering financial wellness within our community. We believe that everyone deserves access to reliable financial support and education. At Valleystar, we offer a variety of services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our goal is to empower members with the resources they need to achieve their financial dreams. Valleystar's total assets currently stand at $600 million. This robust foundation allows us to provide competitive rates on loans and deposits while ensuring our members receive top-notch service. We have embraced technology with features like online and mobile banking, making it easier than ever for our members to manage their finances on the go. In addition to meeting your banking needs, we are dedicated to giving back to the Martinsville community through various outreach initiatives and partnerships. We believe that supporting local organizations strengthens not only our community but also the relationships we share with our members. We understand that convenience matters too. Our branch offers drive-thru banking services from Monday through Saturday and operates from 8 AM to 6 PM during weekdays for added accessibility. If you need assistance or have questions about your accounts, don't hesitate to call us at 276-632-1679. Join us at Valleystar and become part of a credit union that truly cares about its members and the community. Experience firsthand how we're not just here for transactions; we're here for you every step of the way!

Branch Location & Accessibility

Easy Access and Parking

At Valleystar, we prioritize accessibility for all our members. Our branch is equipped with features that comply with ADA standards, ensuring everyone can easily access our services. Parking is ample and convenient, so you won't have to worry about finding a spot when you visit.

Get in Touch!

Have questions or need assistance? Feel free to call us at 276-632-1679. Our friendly team is always ready to help you! While members can visit us at 35 Dupont Rd for all your banking needs, official correspondence should be sent to our mailing address at PO Box 5511, Martinsville, VA 24115. We invite you to come visit us today at Valleystar! Experience firsthand the commitment we have towards making your banking experience as smooth and pleasant as possible.

Operating Hours to Fit Your Schedule

We understand that life gets busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 9 am to 5 pm, and on Saturdays, our drive-thru service is available from 9 am to 1 pm. For those who prefer drive-thru banking, our hours extend until 6 pm on weekdays. This way, you can manage your finances on your schedule!

Services Offered

At Valleystar, we provide a comprehensive range of services designed to cater to both personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of ATM access for quick cash withdrawals and balance checks anytime.

Member Eligibility

At Valleystar, we believe that everyone deserves a place in our community, and becoming a member is easier than you might think! If you're a resident of Henry County or surrounding areas, you're already on your way to joining a supportive network that puts your financial well-being first. We welcome individuals who share our values and commitment to community growth. To learn more about the specific eligibility requirements, you can check out our detailed information at https://www.valleystar.org/our-mission-vision-and-core-values/#eligibility. Once you find that you qualify, opening an account is a simple process. Just visit us at our branch located at 35 Dupont Rd Martinsville Va 24112, or give us a call at (276) 632-1679 for assistance. You can also start your journey online by applying through our website at https://www.valleystar.org/personal/digital-banking/apply/. Joining Valleystar means not just having access to great financial products but also being part of a caring community where your voice matters!

Business Banking & Commercial Services

Merchant Services that Work for You

Imagine a world where your payments process smoothly. Our merchant services make it easy for you to accept payments from customers, whether online or in-person. Picture this: You serve a delicious meal at your restaurant, and with just a swipe or tap, your customers can pay effortlessly. This not only enhances their experience but also helps you manage your cash flow more effectively. Explore how Valleystar can empower your business with the financial tools you need to thrive. Visit us at 35 Dupont Rd Martinsville Va 24112 in Martinsville, VA, or give us a call at (276) 632-1679 to learn more about how we can help you achieve your goals.

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

For our business members, we understand the unique challenges you face. That's why we offer comprehensive business banking services, including merchant services that help streamline transactions for your customers and business loans tailored for growth.

Conclusion

At Valleystar, we strive to be more than just a financial institution; we're a partner in your journey toward financial well-being. With our wide array of services from personal banking options to innovative digital solutions we're here for all your needs. To learn more about what we offer or to get started with any of our services, visit us today at 35 Dupont Rd Martinsville Va 24112 or reach out via phone at (276) 632-1679. Let's work together towards securing your financial future!

Digital & Convenient Banking Solutions

In today's fast-paced world, convenience is key. That's why at Martinsville, we emphasize digital banking features. With our online and mobile banking platforms, managing your accounts has never been easier. You can pay bills, transfer money between accounts, or check your balance anytime, anywhere right from your smartphone or computer. We also provide access to ATMs for quick cash withdrawals and basic drive-thru banking for simple transactions like deposits and withdrawals. Need assistance? Feel free to call us at (276) 632-1679 during our operating hours: 8 am to 6 pm Drive-Thru Monday through Friday, 9 am to 5 pm Lobby Monday through Friday, and 9 am to 1 pm Drive-Thru on Saturday.

Personal Banking

When it comes to personal banking, we offer a variety of options tailored to fit your lifestyle. Our checking and savings accounts make managing your everyday finances easy and straightforward. If you're considering purchasing a vehicle, explore our auto loans and vehicle financing, designed to help you drive away in your new car without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans are here to guide you through that important step in your life. Do you have debt that feels overwhelming? Our personal loans and debt consolidation options can provide the relief you need. Plus, with our credit cards featuring rewards, every purchase can bring you closer to exciting benefits.

Digital & Online Banking

E-Statements & Electronic Signatures

Say goodbye to paper clutter! We provide E-Statements that let you receive your bank statements electronically, making it easier to stay organized. Plus, with our Electronic Signature Authorization, signing documents has never been simpler or more secure. You can complete transactions from the comfort of your home without the hassle of printing or mailing paperwork.

Mobile Application & Payments

For those on the go, our Mobile Application gives you all the power of online banking right in your pocket. Whether you're checking your balance or transferring funds, everything is just a tap away. And if you're looking to make quick payments, our Mobile Payments Feature allows you to send money securely using just your phone.

Person-to-Person Transfers

Need to split a bill or send money to a friend? Our Person-to-Person Transfers make it simple to send cash directly from one account to another in real-time. It's fast and convenient perfect for those little moments when you need to settle up quickly. At Valleystar, we prioritize your security while providing tools that enhance accessibility and ease-of-use. Enjoy managing your finances on your terms with our comprehensive digital and online banking solutions!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 69,969, showing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments): $4,052,523 reflect our ability to support member needs effectively. 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 35 Dupont Rd Martinsville Va 24112 or call (276) 632-1679 to learn more about how we can help you achieve your financial goals.

Investment in Growth

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 supports members' financial goals across various sectors with $5,949 in used auto loans and $456,303,177 in total loans and leases.

Member-Centric Savings

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.

Solid Foundation

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.

Strong Operational Efficiency

Our operational efficiency is reflected by a net income of $-$1,693,748, 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 who are dedicated to serving you with expertise and care.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our competitive rates and flexible terms can make it easier for you to drive away with confidence.

Business Solutions

For business owners, our outstanding commercial loans totaling $164,265,239 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are committed to offering tailored solutions that help you thrive. If you're considering refinancing any existing loans or exploring eligibility options for our products, we encourage you to reach out. Our team is here to assist you through every step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Contact us today at 276-632-1679 or visit us at 35 Dupont Rd Martinsville Va 24112 to learn more about how we can help you achieve your financial goals!

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 provide resources and guidance throughout the process to ensure that you find the right mortgage solution for your situation.

Unsecured Credit Card Loans

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. Our credit cards come with various rewards and benefits designed to enhance your spending experience while keeping your budget in check.

Loan Aggregator

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VALLEYSTAR CREDIT UNION - Martinsville, VA

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