2024 Overview
General Credit Union Information
Five Star is an NCUA insured institution located in Dothan, AL. It was founded in 1964 and has approximately $798.52 millions in assets.
Who can join?
In ALABAMA you are eligible to join if you live, work, worship, or attend school in any of the Alabama counties listed below. You are eligible for all the benefits of membership at Five Star Credit Union.
• Barbour
• Coffee
• Dale
• Geneva
• Henry
• Houston
• Pike
• Russell
In GEORGIA you are eligible to join if you LIVE in any of the Georgia counties listed below. You are eligible for all the benefits of membership at Five Star Credit Union.
• Decatur
• Early
• Grady
• Miller
• Quitman
• Seminole
• Glynn (at former Frederica Credit Union - now Five Star Credit Union)
If none of those counties applies, you can also join if you are employed by one of our Special Employer Groups (SEGs) that are eligible to be members.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68302 |
| Date Established | 1964 |
| Assets | $798.52 million |
| Loans | $426.29 million |
| Deposits | $659.61 million |
| Capital | $151.90 million |
Field of Membership Restrictions
Five Star Credit Union of Alabama is open to the residents, church members, registered students, and the people that maintain employment within the qualified counties and residential locations of Alabama and Georgia that are listed on the credit union website, along with the family or household members of current credit union members.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.60% | $2,500 | $2,999 |
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|
|
Money Market
|
0.60% | $10,000 | $14,999 |
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|
|
Money Market
|
0.60% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.50% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.25% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Five Star
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Five Star
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Branches
Below are Five Star branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
FIVE STAR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Five Star Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Five Star. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Five Star | U.S. Average |
|---|---|
| 1.69% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Five Star had $2,587,443 in non-current loans and $33,847 in owned assets. To cover these potential losses it had $151,899,402 in net worth and $3,191,011 in loans loss reserves. That gives it a Texas Ratio of 1.69%.
Net Worth
| Five Star | U.S. Average |
|---|---|
| 18.99% | 13.62% |
Five Star FCU has a net worth of 18.99% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Five Star
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