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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Five Star Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 31, 2026
Five Star Credit Union's CD - 12 month rates are at 3.80%, CD - 6 month rates are at 3.65%, CD - 24 month rates are at 3.60%, CD - 36 month rates are at 3.55%, CD - 48 month rates are at 3.50%. Five Star Credit Union's savings rates are at 0.85%. Five Star Credit Union's money market rates are at 1.76%. Five Star Credit Union's checking rates are as high as 0.25%. Five Star Credit Union's Credit Card Rates are at 11.25%. Five Star Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Five Star Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.02%. Rates last updated and verified on 10/31/2026. Five Star 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 Five Star Credit Union? Share your experience about Five Star Credit Union by leaving a review below, or read customer reviews before you decide to use Five Star Credit Union. Five Star Credit Union
Five Star Credit Union 5105 Montgomery Hwy
https://www.fivestarcu.com Dothan, AL 36303  Customer Reviews
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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. Five Star Credit Union CD Rates
Five Star Credit Union Savings Rates
Five Star Credit Union Money Market Rates
Five Star Credit Union Business Money Market Rates
Five Star Credit Union Checking Rates
Five Star Credit Union Home Equity & HELOC
Five Star Credit Union Credit Card Rates
Five Star Credit Union Other Rates
Financial Health HistoryFive Star Credit Union’s Texas Ratio rose from 0.63% in Q3 2023 to 7.02% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Five Star 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 Five Star 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 Five Star Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Five Star Credit Union
Website
https://www.fivestarcu.com
Address
5105 Montgomery Hwy,
Dothan, AL 36303
Phone
334-793-7714
Fax
334-686-1753
President
Cory Driggers
CEO
Robert Steensma
Full-Time Employees
248
Part-Time Employees
23
Branch Locations
26
ATM Locations
13
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.02%
Return on Assets (ROA)
0.5427%
Return on Equity (ROE)
3.9262%
Non-Performing Loans Ratio (NPL)
1.50%
Total Assets
1,261,225,403
Total Amount of Shares and Deposits
1,087,014,111
Total Shares and Deposits < 1 Year
1,035,401,266
Total Shares and Deposits 1 3 Years
45,174,809
Total Shares and Deposits > 3 Years
6,438,036
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
128,006,000
Total Uninsured Shares and Deposits > $250K (F+J)
128,006,000
Total Insured Shares and Deposits > $250K (item 17 less item K)
959,008,111
Total Interest Expense (Sum of items 6 8)
12,332,732
Share Certificates
9,777
Number of Accounts for Share Drafts
56,882
IRA KEOGH Accounts
1,505
Number of Accounts for Regular Shares
77,433
Money Market Shares
1,619
Net Income (unless the amount is already included in Undivided Earnings)
6,844,554
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)
121,929,696
Total Liabilities
1,154,183,039
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Five Star Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Five Star Credit Union
Frequently Asked Questions About Five Star Credit UnionDoes Five Star Credit Union offer CDs?Yes. Five Star Credit Union current CD rates include its CD - 12 month at 3.80% APY, its CD - 6 month at 3.65% APY and its CD - 24 month at 3.60% APY, verified by MonitorBankRates as of October 31, 2026. Are CDs from Five Star Credit Union NCUA insured?Yes. Five Star Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Five Star Credit Union?The highest Five Star Credit Union CD rate is its CD - 12 month at 3.80% APY, verified by MonitorBankRates as of October 31, 2026. What CD terms does Five Star Credit Union offer?Five Star Credit Union CD rates are 3.65% APY for a 6 month CD, 3.80% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.55% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Five Star Credit Union for its full lineup. What is the highest savings rate at Five Star Credit Union?The highest Five Star Credit Union savings rate is its Main Savings Account at 0.85% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest money market rate at Five Star Credit Union?The highest Five Star Credit Union money market rate is its Premier Growth Money Market at 1.76% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest checking rate at Five Star Credit Union?The highest Five Star Credit Union checking rate is its Money Market Checking Account at 1.76% APY, verified by MonitorBankRates as of October 31, 2026. What is the lowest credit card APR at Five Star Credit Union?The lowest Five Star Credit Union credit card APR is its Platinum Visa Credit Card at 11.25% APR, verified by MonitorBankRates as of October 31, 2026. How many branches does Five Star Credit Union operate?Five Star 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 Five Star Credit Union?Yes, to access services at Five Star 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, Five Star 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, Five Star Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Five Star Credit Union offer online and mobile banking?Most modern institutions like Five Star 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.fivestarcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Five Star Credit Union rates compare?Five Star Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A health rating. Five Star Credit Union's top rates are its CD - 12 month at 3.80% APY, its Main Savings Account at 0.85% APY, its Premier Growth Money Market at 1.76% APY, its YOUR Five Star Checking at 0.25% APY and its Platinum Visa Credit Card at 11.25% APR, verified by MonitorBankRates on October 31, 2026. Current Five Star Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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