Five Star Credit Union

Business Services


Five Star Products and Services
Five Star Credit Union offers all of the features and benefits needed in a business account without all of the charges. We offer simple, hassle free, convenient solutions to all of your business needs.



Business Savings (Share Account)
Simply deposit $5 to open an account and earn dividends. Add and use a checking account (with 10 or more transactions a month) and boost your savings account dividends. Add 3 or more additional qualifying services and boost your savings earnings even higher. Ask a Member Service Representative for details.


Click here for a Business Account Worksheet.

Account is Subject to a service charge if dormant for 6 months, below $50, and you have no other active account or loan.


Share Certificates
Attractive rate, interest bearing Certificates are offered to business members as well as individuals. With terms starting at six months up to 48 months, and a minimum deposit requirement as small as $500.

Click here for rates and terms.


Five Star Business Checking with Interest*

Higher dividend rates are available on business checking and savings when you use additional Five Star services. How much you earn in dividends depends on you.

  • Earn INTEREST (dividends) on your entire average monthly checking account balance when your account is “active” with no monthly fee.

  • No minimum balance required

  • No monthly maintenance fees

Just make at least 10 transactions (deposits, paid checks, debit card use, transfers, etc) a month and the account is considered “active” and qualifies for dividends and other benefits. You also receive:

  • FREE 24/7 account access (via phone or web)

  • FREE online copies of your checks as well as carbonless copies

  • FREE processing for up to 200 items (processed checks and paper deposits) and $0.15 per item thereafter

  • Overdraft protection (with credit approval)

  • VISA® Check (debit and ATM) card

  • Direct deposit available

  • FREE Mobile Banking with mobile Bill Payer

  • FREE e-statements available - faster to you and better for the environment

  • FREE Downloads to Quicken or Quickbooks from online banking

  • Online Bill Payer

Accounts with less than 10 transactions still have no monthly maintenance fee but do not earn dividends that month and will not initiate extra dividends on your savings account. So keep those checking accounts active for the most benefits!

Click here for a Business Account Worksheet.

*Credit Unions “interest” is called “dividends.”

* The Credit Union recommends its business members, like all members, perform a risk assessement and review its electronic/online account controls and passwords periodically.

Five Star Business Relationship Savings and Checking

Star Level (Smart)
Open a Business Savings Account (Smart)
0.10% 0.00%
Bright Star (Brighter)
Open a Business Savings AND Business Checking Account
(FREE Transaction processing for up to 200 items, $0.15 per item thereafter)
0.35% 0.25%
Five Star Level (Brilliant!)
Business Savings, Business Checking plus 1, 2, 3, or 4 additional qualifying services.
0.35%(1), 0.60%(2),
 0.85%(3) or 1.11%(4)

 *APY is Annual Percentage Yield.

Advanced Business Checking
Designed with larger volume accounts in mind, for a small monthly fee ($9 per month) you receive:

  • FREE processing for up to 300 items (checks and deposits) and $0.15 per item thereafter

  • Interest on average daily checking balance paid according to tiered rates

(Balance of each separately determines rate)
$0 - $1,999.99 0.10% 0.00%
$2,000.00 - $9,999.99 0.25% 0.15%
$10,000.00 - $49,999.99 0.40% 0.30%
$50,000.00 - greater 0.60% 0.50%

*APY is Annual Percentage Yield.

Business Money Market
A money market usually earns higher dividends than savings.

  • $2,000 minimum to open and maintain

  • Higher dividend rates available for balances above $50,000

See your Disclosure of Account Terms for additional information regarding any of the financial products or services offered by Five Star Credit Union. If you have additional questions regarding Five Star Credit Union’s Business Accounts ask to speak with our Business Services Department at 888-619-1711 (toll free).

Click here for rates and terms.


Business Bill Payer
Is a quick and easy way to pay most of your monthly business bills such as utility payments, telephone bills, etc. No need to write checks, buy stamps or stand in line. Paying your bills can all be done from the convenience of your computer.

If you are already a Registered Business Banking user, log in to your Business Banking account and Select the Bill Payment Tab. Click on "iPay" to register for our FREE Online Bill Payment system called "i-Pay". 
To use i-Pay your pop up blocker may need to be disabled or have an exception added to allow the site to open (i.e. click on "Temporarily (or) Always allow pop-ups to open on this website")


On the initial login you may also be prompted to set security “challenge” questions and “Security Key”. Please note that the security key is not the same as a PIN or password and should not be used to log in with, it is rather a unique identifier that you will see each time you log in so you know the site is authentic.

New to our Online Account Access? Visit a branch or call one of our member services representatives at 888-619-1711 (Option 3) to obtain your account access code and password.

Click here to view Frequently Asked Questions for Businesses.

If you click above you will be temporarily leaving the Five Star Credit Union web site to go to a third-party's web site. Links are not under the control of Five Star Credit Union and Five Star Credit Union is not responsible for their content.

Business Loans
Competitive loan rates with options designed specifically to meet the current needs and operations of small and larger businesses. Whether you are in need of working capital, funds for expansion or acquisition, remodeling or looking to purchase equipment or commercial real estate, we offer a variety of options to suit your business. Loan decisions are made locally and you will always receive a quick and timely response.

Five Star Credit Union also does agricultural loans. Please call our Business Service Specialists for more details, to open an account or to apply for a loan.

In ALABAMA call 888-619-1711 extension 1130 or 1132.
In GEORGIA call 888-619-1711 extension 1805.

Click here for an application.

FREE VISA® Platinum Rewards Business Credit Card
A great way to simplify your business by writing just one check a month for all your purchases! Earn 1 reward point for every dollar you charge on your FSCU VISA® Platinum Rewards business credit card. Points can be redeemed for valuable merchandise, free travel and popular restaurant gift certificates. Enjoy low interest rates and VISA is accepted worldwide. Multiple cards for key employees off your master account are also available.

  • No annual fee

  • No balance transfer fee

  • No cash advance fees

Click here for an application. Click here for a Guide to Benefits.



All terms are subject to change.

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