Five Star Credit Union

Business Services


Five Star Products and Services
Five Star Credit Union offers the features and benefits needed in a business account without all of the charges. You will find 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 a checking account (with 10 or more transactions a month) to boost your savings account dividends. Add three or more additional qualifying services to 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 six months, below a $50 balance, 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. Terms start at six months and go up to 48 months. A minimum deposit is required and can be 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 interet (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 for the account to be considered “active” and qualifies for dividends and other benefits. You also receive:

  • FREE 24/7 account access (via phone, web, and mobile app)

  • 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 savings account. So keep those checking accounts active for the most benefits!

Click here for a Business Account Worksheet.

*Credit union's “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 the Business Services Department at 888-619-1711.

Click here for rates and terms.


Business Bill Payer
This 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 bills can 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 the 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 log in, you may also be prompted to set security “challenge” questions and a “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 a unique identifier that you will see each time you log in so you know the site is authentic.

New to the Online Account Access? Visit a branch or call a 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
These are 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, Five Star Credit Union offers a variety of options to suit your business. Loan decisions are made locally. You will always receive a quick and timely response.

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

In Alabama, call 888-619-1711 ext. 1130 or 1132.
In Georgia, call 888-619-1711 ext. 1805.

Click here for an application.

FREE VISA® Platinum Rewards Business Credit Card
This is a great way to simplify your business by writing just one check per month for all your purchases! Earn one 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 are also available for key employees off your master account.

  • 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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