Valleystar Mortgage & HELOC Rates & Who Can Join

As of July 11, 2026, Valleystar offers a 30-year-fixed mortgage at 6.75% APR (6.75% rate, 0 points). HELOC rates from 5.99% APR.
Source: RateAPI.dev, verified from Valleystar's official website

Who Can Join Valleystar

Membership eligibility from Valleystar's own published criteria. How we verify this.

Community charter: live/work in Amelia, Amherst, Appomattox +27 more

LocationAmelia, Amherst, Appomattox, Augusta, Bedford, Campbell, Caroline, Charles City, Chesterfield, Cumberland, Dinwiddie, Franklin, Goochland, Halifax, Hanover, Henrico, Henry, King and Queen, King William, Louisa, New Kent, Patrick, Pittsylvania, Powhatan, Prince George, Roanoke, Sussex, Caswell, Rockingham, Stokes

Verified from Valleystar's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

30-year-fixed

6.750% APR

Rate6.750%

Points0

[PROMOTIONAL] First Mortgage - Fixed Rate

3-1-arm

6.110% APR

Rate6.110%

Points0

[PROMOTIONAL] First Mortgage - Adjustable Rate 3/1- Year

5-1-arm

6.360% APR

Rate6.360%

Points0

[PROMOTIONAL] First Mortgage - Adjustable Rate 5/1 - Year

3-1-arm

7.360% APR

Rate7.360%

Points0

[PROMOTIONAL] Undeveloped Land 3/1 -Year

5-1-arm

7.360% APR

Rate7.360%

Points0

[PROMOTIONAL] Undeveloped Land 5/1 -Year

HELOC Rates

Rates as of July 11, 2026

heloc_variable

5.990% APR

Rate5.990%

[PROMOTIONAL] HELOC flexLOCK

heloc_fixed

6.500% APR

Rate6.500%

[PROMOTIONAL] Second Mortgage- Closed End Fixed Rate

Frequently Asked Questions

What rates does Valleystar offer?

Valleystar currently offers mortgage, and HELOC rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Valleystar rates updated?

RateAPI verifies Valleystar's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Valleystar's rate data?

Rate data is collected directly from Valleystar's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Valleystar's mortgage rate?

As of July 11, 2026, Valleystar offers a 30-year-fixed mortgage at 6.75% APR.

Related Rate Data

Compare Valleystar's rates against national credit-union benchmarks.

More Virginia credit unions Mortgage rate benchmark HELOC rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Valleystar
curl "https://api.rateapi.dev/credit-unions/virginia/valleystar" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude