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5 Star Community Credit Union

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5 Star Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 5 Star Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

5 Star Community Credit Union's top rates as of October 9, 2026 are 4.50% APY on its 6 MO CD, 6.50% on its First Mortgages, and auto loans from 5.00% APR, according to rates verified by MonitorBankRates. Other 5 Star Community Credit Union CD rates include 12 MO CD at 3.85%, 18 MO CD at 3.25%, and 3 MO CD at 2.85%. MonitorBankRates evaluates the financial stability of 5 Star Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.47%. Rates last updated and verified on 10/09/2026.

5 Star Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 5 Star Community Credit Union? Share your experience about 5 Star Community Credit Union by leaving a review below, or read customer reviews before you decide to use 5 Star Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.47%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

5 Star Community Credit Union
5 Star Community Credit Union

100 S Cherry St
Mount Pleasant, IA 52641

https://www.5starcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

5 Star Community Credit Union CD Rates

Product	Rate	APY	Term
6 MO Share Certificate	-	4.50%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%
12 MO Share Certificate	-	3.85%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%
18 MO Share Certificate	-	3.25%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%
3 MO Share Certificate	-	2.85%	3 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

5 Star Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
First Mortgages	-	-	6.50%	30 years
Details 5 Star offers mortgages up to 30 years, but only finance 15 year fixed in house. We work one on one with Premier Lending Alliance LLC to meet your specific needs. Premier Lending can find you VA Mortgages, FHA, Conventional, USDA, and much more. All rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

5 Star Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.00%	48 to 84 months
Details Auto loans are based off of how old your vehicle is. The older the vehicle the shorter the loan term gets. Interest rates are based off of Credit Score! All rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

5 Star Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
ATV's/UTV's/Motorcycles/ Mowers Loan	-	7.00%
Details Available at all credit scores, credit will determine your interest rate! All rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%
Watercrafts/Campers Loan	-	7.00%
Details All rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

5 Star Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Equities Loan	-	-	7.00%
Details All rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%
Tractors Loan	-	-	7.00%
Details All rates are subject to change at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

5 Star Community Credit Union’s Texas Ratio fell from 7.69% in Q3 2023 to 6.47% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$54M	6.47%	5.0	A
March 31, 2026	$55M	6.09%	5.0	A
December 31, 2025	$53M	5.70%	5.0	A+
September 30, 2025	$51M	7.13%	5.0	A
June 30, 2025	$51M	8.08%	5.0	A
March 31, 2025	$52M	6.75%	5.0	A
December 31, 2024	$51M	10.32%	5.0	A
September 30, 2024	$50M	9.28%	5.0	A
June 30, 2024	$50M	4.71%	5.0	A+
March 31, 2024	$49M	4.76%	5.0	A+
December 31, 2023	$49M	6.91%	5.0	A
September 30, 2023	$48M	7.69%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 5 Star Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 5 Star Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 5 Star Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 5 Star Community Credit Union

Website https://www.5starcu.org

Address 100 S Cherry St, Mount Pleasant, IA 52641

Phone 319-385-4914

Fax 319-385-4944

President Jeff Beavers

CEO Mary Graber

Full-Time Employees 10

Part-Time Employees 2

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.47%

Return on Assets (ROA)

0.2570%

Return on Equity (ROE)

3.0785%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

54,488,260

Total Amount of Shares and Deposits

49,418,306

Total Shares and Deposits < 1 Year

48,632,326

Total Shares and Deposits 1 3 Years

785,981

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

78,000

Total Uninsured Shares and Deposits > $250K (F+J)

78,000

Total Insured Shares and Deposits > $250K (item 17 less item K)

49,340,306

Total Interest Expense (Sum of items 6 8)

296,353

Share Certificates

299

Number of Accounts for Share Drafts

3,136

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,187

Non Member Deposits

Money Market Shares

358

Net Income (unless the amount is already included in Undivided Earnings)

140,023

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,494,381

Total Liabilities

50,517,070

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

5 Star Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/5-star-community-credit-union-rates-review-64878">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About 5 Star Community Credit Union

How many branches does 5 Star Community Credit Union operate?

5 Star Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 5 Star Community Credit Union?

Yes, to access services at 5 Star Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 5 Star Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 5 Star Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 5 Star Community Credit Union offer online and mobile banking?

Most modern institutions like 5 Star Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.5starcu.org.