Valleystar Federal Credit Union

Headquarters: Martinsville, Virginia
Charter: Credit Union
Assets: $503.4M
Fed district: Richmond

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Valleystar Federal Credit Union: $35
Valleystar Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Valleystar Federal Credit Union: $35
Valleystar Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $35, the middle of its prices
Valleystar Federal Credit Union: $20 to $50
Valleystar Federal Credit Union: $20 to $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Valleystar Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheat Account$50
Inactive Account$5
per month
Non-Legal Research and Reconciliations$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (ages 17 & under and 70+ are exempt)$3
Excess Withdrawal (over 6 per month)$5
per item
Excess Withdrawal (over 6 per month)$3
per item
Returned Mail (bad address)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege$35
per item
Non-Sufficient Funds (NSF)$35
per item
Returned Check$35
per item

ATM & Card

Expedited Debit/Credit Card Order$35
per item
Debit/Credit Card International Transaction (audience not stated, treated as personal)2%of the transaction
per transaction
Debit/Credit Card International Transaction2%of the transaction
per transaction

Wire Transfers

Domestic Wire Transfer Fees: Outgoing$20
per item
Domestic Wire Transfer Fees: Outgoing$50
per item
Domestic Wire Transfer Fees: Incoming$25
per item
Domestic Wire Transfer Fees: IncomingNo charge
International Wire Transfer Service Fees (remittance transfer): Outgoing$50
per item

Check Services

Official Checks$5
per item
ACH/Check Stop Payment$35
per item
Check Cashing$5
per item

Cash & Deposit

Coin Machine5%

Account Services

Drill Fee$200
Not compared: Box drilling or key fee
per item
Replacement Key$25
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10x10 (audience not stated, treated as personal)$100
Safe Deposit Box 10x10 (audience not stated, treated as personal)$80
Safe Deposit Box 3x10 (audience not stated, treated as personal)$35
Safe Deposit Box 3x10 (audience not stated, treated as personal)$28
Safe Deposit Box 3x5 (audience not stated, treated as personal)$20
Safe Deposit Box 3x5 (audience not stated, treated as personal)$16
Safe Deposit Box 5x10 (audience not stated, treated as personal)$40
Safe Deposit Box 5x10 (audience not stated, treated as personal)$50
Safe Deposit Box 5x5 (audience not stated, treated as personal)$30
Safe Deposit Box 5x5 (audience not stated, treated as personal)$24
Safe Deposit Box 7x10 (audience not stated, treated as personal)$70
Safe Deposit Box 7x10 (audience not stated, treated as personal)$56
Legal Processing Fee (garnishment, levy, and lien)$75
per item
Subordination$150

Gift & Prepaid Cards

Gift Card$4
per item

Fee	Amount	Basis	Note
Account Maintenance
Escheat Account	$50	Not stated	None
Inactive Account	$5	per month	None
Non-Legal Research and Reconciliations	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (ages 17 & under and 70+ are exempt)	$3	Not stated	None
Excess Withdrawal (over 6 per month)	$5	per item	None
Excess Withdrawal (over 6 per month)	$3	per item	None
Returned Mail (bad address)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege	$35	per item	None
Non-Sufficient Funds (NSF)	$35	per item	None
Returned Check	$35	per item	None
ATM & Card
Expedited Debit/Credit Card Order	$35	per item	None
Debit/Credit Card International Transaction (audience not stated, treated as personal)	2%of the transaction	per transaction	None
Debit/Credit Card International Transaction	2%of the transaction	per transaction	None
Wire Transfers
Domestic Wire Transfer Fees: Outgoing	$20	per item	None
Domestic Wire Transfer Fees: Outgoing	$50	per item	None
Domestic Wire Transfer Fees: Incoming	$25	per item	None
Domestic Wire Transfer Fees: Incoming	No charge	Not stated	None
International Wire Transfer Service Fees (remittance transfer): Outgoing	$50	per item	None
Check Services
Official Checks	$5	per item	None
ACH/Check Stop Payment	$35	per item	None
Check Cashing	$5	per item	None
Cash & Deposit
Coin Machine	5%	Not stated	None
Account Services
Drill Fee	$200Not compared: Box drilling or key fee	per item	None
Replacement Key	$25Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$80	Not stated	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$28	Not stated	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$16	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5x5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 5x5 (audience not stated, treated as personal)	$24	Not stated	None
Safe Deposit Box 7x10 (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 7x10 (audience not stated, treated as personal)	$56	Not stated	None
Legal Processing Fee (garnishment, levy, and lien)	$75	per item	None
Subordination	$150	Not stated	None
Gift & Prepaid Cards
Gift Card	$4	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Valleystar Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.