ValleyStar Credit Union, based in Martinsville, Virginia, offers a range of financial services including home loans, auto loans, personal loans, and checking and savings accounts. They serve individuals and businesses across Virginia, particularly in Roanoke and Richmond areas. Their target audience includes anyone living, working, or attending school in their service area. The unique selling proposition is their member-centric approach, returning earnings to members as lower loan rates and higher deposit interest, rather than paying dividends to external shareholders[1][3][4]. This approach emphasizes financial convenience and community support.