Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

Valleystar Federal Credit Union

Martinsville, VirginiaCredit UnionRichmond Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Account$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=dormant_account; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Inactive Account | $5 per month after 120 days of inactivity*" · Source

Monthly Service Fee for RDC Software$45

$38.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=monthly_maintenance; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Monthly Service Fee for RDC Software | $45 per month" · Source

Paper Statement (ages 17 & under and 70+ are exempt)$3

At the national median

Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=paper_statement; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Paper Statement (ages 17 & under and 70+ are exempt) | $3.00 per statement mailed/requested" · Source

Returned Mail (bad address)$5

$15 below the national median

Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=account_research; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Returned Mail (bad address) | $5 per occurrence" · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF)$35Above the typical range ($25–$32 nationally)
$6 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=nsf; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Non-Sufficient Funds (NSF) | $35 per item per presentment+" · Source
Overdraft Privilege$35Above the typical range ($20–$30 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=overdraft; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Overdraft Privilege | $35 each if a transaction overdrawn by $10.01 or more**+" · Source

ATM & CardVerified

Expedited Debit/Credit Card Order$35Within the typical range ($30–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=rush_card; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Expedited Debit/Credit Card Order | $35 per card" · Source
Non-ValleyStar Card ATM Use$4Above the typical range ($1–$3 nationally)
$2.50 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=atm_non_network; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Non-ValleyStar Card ATM Use | $4.00 each transaction" · Source
Replacement Debit Card | Two$0Below the typical range ($5–$10 nationally)
$10 below the national median
per year · Knox read a free fee from Rosetta artifact #5246. canonical_hint=card_replacement; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Replacement Debit Card | Two FREE annually" · Source

Wire TransfersVerified

Domestic Wire Transfer Fees: Incoming$0Below the typical range ($7.75–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #5246. canonical_hint=wire_domestic_incoming; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Incoming | FREE" · Source
Domestic Wire Transfer Fees: Incoming$25Above the typical range ($7.75–$15 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=wire_domestic_incoming; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Incoming | $25 each" · Source
Domestic Wire Transfer Fees: Outgoing$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=wire_domestic_outgoing; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Outgoing | $20 each" · Source
Domestic Wire Transfer Fees: Outgoing$50Above the typical range ($20–$25 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=wire_domestic_outgoing; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Outgoing | $50 each" · Source

Check ServicesVerified

ACH/Check Stop Payment$35Above the typical range ($20–$30 nationally)
$8 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=stop_payment; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="ACH/Check Stop Payment | $35 per item" · Source
Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=check_cashing; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Check Cashing | $5 per check" · Source
Official Checks$5Within the typical range ($3–$6 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=cashiers_check; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Official Checks | $5 per check" · Source

Account ServicesVerified

10x10$100Above the typical range ($25–$80 nationally)
$60 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="10x10 | $100 | $80" · Source
3x10$35Within the typical range ($25–$80 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="3x10 | $35 | $28" · Source
3x5$20Below the typical range ($25–$80 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="3x5 | $20 | $16" · Source
5x10$50Within the typical range ($25–$80 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="5x10 | $50 | $40" · Source
5x5$30Within the typical range ($25–$80 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="5x5 | $30 | $24" · Source
7x10$70Within the typical range ($25–$80 nationally)
$30 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="7x10 | $70 | $56" · Source
Legal Processing Fee (garnishment, levy, and lien)$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=garnishment_levy; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Legal Processing Fee (garnishment, levy, and lien) | $75 per occurrence" · Source
Replacement Key$25Within the typical range ($25–$80 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Replacement Key | $25 each" · Source
Subordination$150Above the typical range ($25–$100 nationally)
$100 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=legal_process; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Subordination | $150" · Source

Gift & Prepaid CardsVerified

Gift Card$4Within the typical range ($3–$4.95 nationally)
$0.37 above the national median
Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=gift_card_purchase; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Gift Card | $4.00 per card" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=dormant_account; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Inactive Account \| $5 per month after 120 days of inactivity*"	Source
Monthly Service Fee for RDC Software	$45Above the typical range ($4–$12.63 nationally)	$38.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=monthly_maintenance; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Monthly Service Fee for RDC Software \| $45 per month"	Source
Paper Statement (ages 17 & under and 70+ are exempt)	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=paper_statement; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Paper Statement (ages 17 & under and 70+ are exempt) \| $3.00 per statement mailed/requested"	Source
Returned Mail (bad address)	$5Below the typical range ($15–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=account_research; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Returned Mail (bad address) \| $5 per occurrence"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF)	$35Above the typical range ($25–$32 nationally)	$6 above the national median	per item	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=nsf; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Non-Sufficient Funds (NSF) \| $35 per item per presentment+"	Source
Overdraft Privilege
ATM & CardVerified
Expedited Debit/Credit Card Order	$35Within the typical range ($30–$50 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=rush_card; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Expedited Debit/Credit Card Order \| $35 per card"	Source
Non-ValleyStar Card ATM Use	$4
Wire TransfersVerified
Domestic Wire Transfer Fees: Incoming	$0Below the typical range ($7.75–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #5246. canonical_hint=wire_domestic_incoming; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Incoming \| FREE"	Source
Domestic Wire Transfer Fees: Incoming
Check ServicesVerified
ACH/Check Stop Payment	$35Above the typical range ($20–$30 nationally)	$8 above the national median	per item	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=stop_payment; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="ACH/Check Stop Payment \| $35 per item"	Source
Check Cashing	$5
Account ServicesVerified
10x10	$100Above the typical range ($25–$80 nationally)	$60 above the national median	—	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=safe_deposit_box; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="10x10 \| $100 \| $80"	Source
3x10	$35
Gift & Prepaid CardsVerified
Gift Card	$4Within the typical range ($3–$4.95 nationally)	$0.37 above the national median	—	Knox deterministic extraction from Rosetta artifact #5246. canonical_hint=gift_card_purchase; text_hash=6e8808d9bae807ab93e17bf0e150520ea0a0a62132a120fedad1266767264597; excerpt="Gift Card \| $4.00 per card"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

25% above the national median overdraft fee

Total fees: 26

Verified fees

Under review

Assets

$503.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$503.4M

Total deposits

$406.1M

Service charge income (year to date)

$1.6M

Fee income ratio

10.4%

Return on assets

-1.05%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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