Five Star Credit Union


To use a financial calculator to estimate your loan payments or savings growth  click here

There are several ways to obtain a loan from FSCU.
Apply by Phone; Apply On Line; Visit any of our Branches; or (option for car loans) apply directly at any FSCU Direct Lending Preferred Car Dealers .


One of the great programs FSCU offers is our Loans by Phone program. We encourage our members to call us from the comfort, privacy and convenience of their own home or office to apply for a loan. Our friendly, knowledgeable phone loan representative will get your loan application quickly and get you an answer on your loan just as quickly. In some cases you will not even have to come into our office at all to complete the loan. This is an optional program for your convenience.

Call 888-619-1711 (Option 2) to apply. We also offer online applications from this website for most types of loans.

 * You must live or work in southeast Alabama or live in one of several counties in Southern Georgia to be a potential member of FSCU and to qualify for a loan. See "How to Join" under the "About Us/Membership" tab above.


Need cash? Call our loan department at 888-619-1711.
Whether it is for a vehicle, boat, RV, farm equipment, mortgage, a credit card or for another use, Five Star Credit Union gives you several choices of how to apply for the loan you want. If you prefer to apply online we normally offer that simple option as well. However due to our new online banking system this feature has been temporarily removed. Please call 888-619-1711 (option 2) to speak to a loan representative until we are able to reload the online loan application.

* Mortgage loans have a separate application. See Mortgage section directly below here for a link to an online mortgage application.
** You must live or work in southeast Alabama or live in one of several counties in Southern Georgia to be a potential member of FSCU and to qualify for a loan. See "How to Join" under the "About Us/Membership" tab above.  Due to an increasing number of applications being submitted by those who are not members and often do not qualify to be members, effective January 1, 2015 we are implementing a $25 loan application fee for non-members for all type loans (Mortgages have a separate fee schedule). The $25 fee will be returned to non-members IF the loan and member application is approved.


Five Star Credit Union offers competitive and flexible mortgage programs for 1st mortgages, mobile homes, refinancing and home equity loans as well as land and construction loans. They include such features as:

  • Low down-payments for those that qualify

  • Can be set up on payroll deduction to make payments for you

  • Variable and fixed rate loans that can be tax deductible (consult your tax advisor for details)

  • Five Star mortgages have no pre-payment penalties

Federal regulations require all mortgage originators to be licensed under the Nationwide Mortgage Licensing System (NMLS) and to use those numbers on all mortgage correspondence, mortgage business cards and website. FSCU has 4 licensed NMLS representatives with registry numbers NMLS #512185,  #512186, #1154748 and #17801. 



Our friendly and knowledgeable loan representatives are prepared to help you meet all your financial needs. In addition to mortgage loans, financing is available on new or used automobiles, recreational vehicles, boats, vacations or home improvement and for other personal needs. Personal lines of credit are also available. Five Star loans have no pre-payment penalties. 

Ask us about our FREEDOM LOAN. Its a debt consolidation loan that lets you put your other loans into just one simple loan with FSCU. It can save you money every month and make getting out of debt faster and easier for you.

Please call our Live Call Center at 888-619-1711 (Option 2) to make a Loan by Phone or
see ONLINE LOAN APPLICATIONS (a few boxes above this one) to apply on-line, OR...

Click here to see a list of Five Star Credit Union Preferred Car Dealers who can process your FSCU loan at their dealership for you.

Route 66 Extended Warranty
Five Star Credit Union also offers 3 levels of extended warranty protection for your car or truck that can save you money. 

Click here for information on our Route 66 Extended Warranty.


The equity in your home (the difference between the amount you owe on your first mortgage and what your home is really worth) is an asset often overlooked. You worked for your let it work for you. Our loan officers will be pleased to talk with you about taking advantage of this ideal money source. An equity loan can be used to pay tuition for your children's education, finance home improvements, buy or build a recreational home, allow you to take advantage of investment opportunities or even help you assume an existing mortgage on a new home.

Available to Qualified Applicants only. For more information, contact your local
 Five Star Credit Union office
 or call toll free: 888-619-1711.

Please call our Live Call Center at 888-619-1711 (Option 2) to make a Loan by Phone.


Competitive loan rates with options designed specifically to meet the current needs and operations of small and large 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 1132.
In GEORGIA call 888-619-1711 extension 1805.

Click here for an application.

For more Business Loan information click here



Why do loan rates vary at FSCU and other organizations say their rate is the same for everyone?


There are two types of lending philosophies different lending organizations use. One type is called “non‐risk based lending” and the other is known as “risk based lending”. Under non‐risk based lending you will see advertisements that say “Everyone who meets our qualifications is guaranteed our same lowest rate.” Organizations who offer this deny many more loans due to lower credit scores and must “average” out their rates so the best credit scores pay a higher amount then they should.

Five Star Credit Union believes it is more fair to use “risk based” lending so more members get loans, members with higher credit scores pay lower interest and members with lower credit scores still qualify for a loan but pay a bit more for it. That is a much better alternative then not getting the loan and not getting the car or other item that you need for work or other important reasons.




Payment Protection Insurance (Credit Life and Disability)
Payment Protection helps relieve the financial stress and worry related to making loan payments when your life takes an unexpected turn. Payment Protection is available on consumer loans.

We Offer Two Types of Payment Protection

  • Credit Life Insurance protects your loved ones by reducing or paying off the insured balance of your loan – up to $40,000 – if you die during the term of the loan.

  • Credit Disability Insurance pays your loan payments – up to $750 per month per loan – if you become ill or disabled and are unable to work at any time during the term of the loan ($40,000 maximum benefit per loan). 

Payment Protection

  • Cost - Payment Protection rates are established by each state and generally result in reasonable monthly premiums.

  • Convenient - Applying for Payment Protection is easy and usually done at the time of the loan application. Your premium is included with your monthly loan payment.

  • Eligibility is simplified. You can obtain Payment Protection up to the age of 70 (credit life insurance) and age 65 (credit disability insurance). A medical exam is usually not required, although general health questions may be asked.

If you are applying for a loan now, be sure to get this coverage by checking “yes” on your application. If you already have a loan with us and are interesting in protecting that loan, please call 888-619-1711 to learn more about this valuable coverage.

GAP Insurance
You have a wreck and your insurance company pays you $10,000 for the damage to your totaled car - but, you still owe $15,000 on the car! GAP insurance will pay you the difference and protect your investment and your wallet.

Click here for more details.


Free annual credit reports by Equifax, Experian and Trans Union. Learn about credit at Learn about your FICO score at

Annual Credit Report Request
P.O. Box 105281
Atlanta, GA 30348-5281

Toll free number: 877-322-8228

P.O. Box 740241
Atlanta, GA 30374-0241

Report fraud: 800-525-6285

P.O. Box 2002
Allen, TX 75013

Order your credit report: 888-397-3742
Report fraud: 888-397-3742

Trans Union
P.O. Box 100
Chester, PA 19022

Order your credit report: 800-888-4213
Report fraud: 800-680-7289

Consumer Fraud
Call the Identity Theft Hotline at 877-IDTHEFT (438-4338).

Opt Out Information:
You can choose to stop receiving preapproved offers of credit
or insurance by calling: 888-5OPT OUT (567-8688) or

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