Valleystar Credit Union Rocky Mount VA | Affordable Auto Loans & Business Banking

Introduction

At Valleystar, we believe that financial success begins at the community level. Located at 1080 Old Franklin Tpke, Rocky Mount, VA 24151, our branch is dedicated to providing personalized banking solutions tailored to meet the needs of our valued members. With over 37,784 members relying on us since our establishment in 1953, we have built a reputation for trust and reliability in the Rocky Mount area. Our commitment to serving our community is evident not just in our services but also in our impressive financial standing. We proudly manage assets totaling $600,169,503, with $1,455,181 in total deposits and a net worth of $60,741,413. This strong financial foundation allows us to offer a variety of products and services such as personal banking, auto loans, mortgage financing, and business loans. In fact, we currently hold 27,052 loans and leases that help empower our members to achieve their goals. While members can visit us at the branch for friendly service from our team of 163 employees, official correspondence should be sent to our mailing address: PO Box 5511, Martinsville, VA 24115. Whether you're looking for assistance with your finances or just want to explore your options, we're here for you! Under the leadership of CEO Mike Warrell and Board President James Rorrer, we strive to create an inclusive environment where everyone can thrive financially. Our goal is to support not only individual success but also the broader community by being involved in local initiatives and programs. We invite you to reach out with any questions or visit us during our operating hours from 8:30 AM to 5:30 PM on weekdays and from 9 AM to 12 PM on Saturdays at our drive-thru. For more information about what we offer or how we can help you achieve your financial dreams, please don't hesitate to call us at 540-483-0018 or visit our website at Valleystar. Join us today and discover how we can make a difference together!

Branch History & Mission

Our Mission

At the heart of Valleystar's mission is a simple yet powerful goal: to provide exceptional financial services that empower our members and uplift our community. We believe that everyone deserves access to quality financial products and personalized support. Our team is dedicated to making banking easy and accessible for all. We offer a variety of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our online and mobile banking options ensure that our members can manage their finances anytime and anywhere. We also prioritize accessibility by ensuring our facilities are ADA compliant. Valleystar's commitment extends beyond financial transactions; we actively engage in partnerships and community outreach programs aimed at improving the quality of life for residents in Franklin County. Whether it's sponsoring local events or providing educational resources about financial literacy, we strive to make a positive impact. With operating hours from 8:30 am to 5:30 pm on weekdays and Saturday drive-thru hours from 9 am to 12 pm, we make it convenient for our members to reach us when they need assistance. Additionally, our ATM services are available for quick cash withdrawals and balance checks. As we continue to grow into the future, we invite you to join Valleystar Credit Union. Experience firsthand the benefits of being part of a community-focused financial institution that truly cares about its members. Together, let's build a brighter financial future! For more information or to become a member today, please call us at 540-483-0018 or visit us online at ValleyStar.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility matters. Our branch is equipped with ADA-compliant features, ensuring everyone can enjoy easy access. Ample parking is available right outside, so you can come and go without any hassle. Plus, our drive-thru service is perfect for quick transactions if you're on a tight schedule.

Nearby Landmarks

Situated near popular local landmarks, our branch is not far from the scenic views of Smith Mountain Lake and the bustling shops along Franklin Street. This prime location makes it simple for you to drop by while you're out and about in the area.

Operating Hours

We're open Monday through Friday from 8:30 am to 5:30 pm, with special drive-thru hours on Saturday from 9 am to 12 pm. We want to make sure our hours fit into your busy life because your time is valuable!

Services Offered

At Valleystar, we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. With shared service options available, members of partner credit unions can also benefit from basic transaction services here. If you have any questions or need assistance, don't hesitate to give us a call at 540-483-0018. Our friendly staff is ready to help you with whatever you need. We look forward to welcoming you soon at Valleystar!

Member Eligibility

At Valleystar, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Rocky Mount area, you're likely eligible to join us at our branch located at 1080 Old Franklin Tpke Rocky Mount Va 24151. We also invite family members of existing members to apply, making it even easier for your loved ones to benefit from our services. For a detailed look at all eligibility criteria, feel free to check out our website at https://www.valleystar.org/our-mission-vision-and-core-values/#eligibility. Joining Valleystar comes with many perks! As a member, you'll enjoy personalized service, competitive rates on loans and savings accounts, and a range of digital banking options for your convenience. To start the membership process today, visit us online at https://www.valleystar.org/personal/digital-banking/apply/, or give us a call at (540) 483-0018. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, we offer merchant services that simplify payment processing. Imagine having a reliable partner who ensures your customers can pay easily and securely whether they're using credit cards, mobile payments, or online transactions. This not only enhances customer satisfaction but also streamlines your operations. Located at 1080 Old Franklin Tpke Rocky Mount Va 24151 in Rocky Mount, VA, we're here to help you grow your business. Contact us today at (540) 483-0018 to learn more about how our tailored solutions can meet your unique needs!

Tailored Loan Solutions

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 local entrepreneurs, we proudly offer Business Banking services, which include merchant services and business loans tailored to help grow your business. Our team understands the challenges small businesses face and is ready to provide support every step of the way.

Convenient Access

Accessing your accounts has never been easier thanks to our ATM & Cash Withdrawal Services available at various locations. If you prefer more personal interaction, our drive-thru banking offers basic transactions such as deposits and withdrawals without leaving your car. Plus, we participate in shared branching so members from partner credit unions can also access their accounts effortlessly. With a commitment to ease of access and convenience, we ensure that banking with us fits seamlessly into your busy life. Our lobby hours are designed to accommodate different schedules stop by Monday through Friday from 8:30 AM to 5:30 PM or visit us Saturday from 9:00 AM until noon for drive-thru service.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! These cards not only offer great benefits but also allow you to earn rewards on your everyday purchases. It's a simple way to make your spending work for you.

Get Started Today!

Ready to take advantage of these services? Visit us at 1080 Old Franklin Tpke Rocky Mount Va 24151 in Rocky Mount, VA, or give us a call at (540) 483-0018. For more information about how we can assist you financially, explore our website at Rocky Mount. Join us today and experience how Valleystar is committed to supporting your financial journey!

Personal Banking

We understand that managing your money is essential for achieving your goals. That's why we offer Personal Banking services including checking and savings accounts designed to fit your lifestyle. Our accounts come with features that make banking easy and accessible. You can enjoy the convenience of online and mobile banking, allowing you to check balances, transfer funds, and pay bills right from your smartphone or computer. If you're considering purchasing a new vehicle or refinancing an existing one, our Auto Loans & Vehicle Financing options can help get you on the road quickly with competitive rates. We also provide Mortgage Loans & Refinancing, making it easier for you to buy your dream home or adjust your current mortgage terms. For those unexpected expenses or projects that require extra funds, our Personal Loans & Debt Consolidation solutions are here for you. We aim to simplify the borrowing process so you can focus on what matters most.

Digital & Online Banking

At Valleystar, we understand that your time is valuable. That's why we've developed a range of digital and online banking services designed to make managing your finances easier, more secure, and accessible whenever you need it. With our 24/7 online banking service available at https://www.valleystar.org/, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly platform puts everything you need right at your fingertips. Plus, with the ability to sign documents through electronic signature authorization, you'll enjoy a smoother, paperless experience that saves both time and hassle. We also offer e-statements, allowing you to view your account statements electronically instead of waiting for them in the mail. It's not only convenient but also helps keep your personal information secure. You can easily track your finances while reducing clutter. If you're always on the go, you'll love our mobile application. With this handy tool, you can manage your accounts directly from your smartphone. Want to make quick purchases? Our mobile payments feature lets you pay with just a tap. Sending money to friends or family? Our person-to-person transfer option makes it simple and quick. In today's fast-paced world, having easy access to your finances is crucial. At Valleystar, we're committed to providing you with the tools you need for real-time account management while ensuring that security is always a top priority. Join us in embracing a simpler way to bank check out our online services today!

Financial Strength

Commitment to 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 capacity to lend is robust; we have $5,949 in used auto loans and $456,303,177 in total loans and leases. This lending capacity supports your financial goals across various sectors. Our operational efficiency is highlighted by our $-$1,693,748, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 163 full-time employees ready to assist you with a knowledgeable team dedicated to serving your needs.

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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

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. This net worth reflects our commitment to our members, ensuring that your deposits are safe and secure. Our net worth ratio of 10.10% demonstrates a solid capital foundation, assuring you that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnerships

Net Shares (Funds available for lending and investments): $4,052,523 reinforce our commitment to supporting our members' financial journeys. With a total of 69,969 accounts, we showcase a strong and growing member base that trusts us with their finances. 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 1080 Old Franklin Tpke Rocky Mount Va 24151 or call (540) 483-0018 to learn more about how we can help you achieve your financial goals.

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 a brand-new model or a reliable used vehicle, we have financing options tailored just for you.

Business Financing

For business owners, our outstanding commercial loans totaling $164,265,239 provide the capital needed to grow and expand your operations. We understand the challenges small businesses face, and we're dedicated to supporting local entrepreneurs.

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 competitive rates and flexible terms to fit your budget and lifestyle.

Refinancing Options

If you're looking to refinance an existing loan, we have various options available to help you lower your monthly payments or consolidate debt. Check out our eligibility requirements here to see how you can benefit from refinancing. For more information on our loan offerings or to apply for a loan today, please visit us at https://www.valleystar.org/ or call us at (540) 483-0018. 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 to turn your financial dreams into reality!

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 rewards that can benefit your everyday spending.

Loan Aggregator

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VALLEYSTAR CREDIT UNION - Rocky Mount, VA

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