Five Star Credit Union

Products & Services

Watch your money grow with a FSCU savings account!
 

SAVINGS & CHECKING

No need to choose from dozens of accounts. We have only ONE savings account and ONE checking account. How much you earn on them is up to you. Your activity each month qualifies you to earn at that level for the current month. You automatically qualify for higher dividends if you meet the easy qualifications each month.



 

Savings (Share) Account
Start saving for your family's future with a high yield savings account!

  • Simply deposit $5 to open an account and earn dividends

  • $5 minimum balance in this account is required to maintain membership in Five Star Credit Union

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.



Free Five Star Checking with Interest*
Earn INTEREST (dividends) on your entire average monthly checking account balance when your account is "active." A $25 minimum deposit is required to open a checking account but no minimum is required after that.

Higher dividends rates are available on checking and savings when you use other Five Star services. We keep it simple. We have only one checking account and one savings account to choose from. How much you earn in dividends on them depends on you.

  • No minimum balance required

  • No monthly maintenance fees

Free checking with interest and high yield savings. Free feels So Good!
 

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

  • Overdraft protection (with credit approval)

  • FREE VISA Check (debit and ATM) card

  • Direct deposit available

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

  • FREE Online Bill Payer

  • FREE Mobile Banking

  • FREE ACCESS to hundreds of surcharge free ATMs (CU HERE and Money Pass as well as our own ATMs)

  • FREE Shared branching with hundreds of other participating credit union branches. (Bank with us at their branch when they are more convenient to where you are at that time).


* Accounts with less than 10 transactions are still "free" 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!

*Credit Unions "interest" is called "dividends." and we are Federally Insured by NCUA.

Click here for a Checkbook Reconciliation Worksheet.

* Important:
The Credit Union recommends members periodically review your on-line account access practices to ensure security, including reviewing:
    - Who has access to your online accounts?
    - How and where are your user names and passwords stored?: and
    - How strong are your passwords and how often are they changed?

We will never contact you on an unsolicited basis to request information concerning your electronic credentials including your User ID, Password, or Authentication.

If you are suspicious of any account activity or experience a member information security related event or believe that your User ID, Password, or Authentication has been lost or stolen, please contact the Credit Union at 1-888-619-1711 (option 3 for member services) immediately.

 



Five Star Regular Savings Account and Checking Account Rates

$5 minimum required in savings for membership and to earn dividends. Savings rate is based on your checking account and other activity with FSCU.

LEVEL

SAVINGS ACCOUNT APY*

CHECKING ACCOUNT APY*

Star Level
Savings WITHOUT Active Checking**

0.10%

0.00%

Bright Star Level
Savings WITH Active Checking**

0.35%

0.25%

Five Star Level *
Savings with Active Checking**
and 3 or more other qualifying services 

0.60%

0.50%

Click here for more information on our Savings and Checking.

DISCLOSURE

 

At * Five Star Level - 3 additional bump rate dividends can be earned each month to your savings account.

Five Star Level

SAVINGS ACCOUNT APY*

CHECKING ACCOUNT APY*

Sign up to receive E-Statements

0.25% additional

N/A

Use Debit Card 12+ times that month    

0.25% additional

N/A

Have active & current loan***  with FSCU

0.25% additional

N/A

Maximum Prospective Savings APY

1.36%

N/A

*APY is Annual Percentage Yield. Variable rates are subject to change. Fees, if incurred, may reduce earnings.
**Active Checking means 10 or more Checking transactions per month.
*** Loan must be current (not past due). Loan bump rate on savings excludes most mortgage loans of 12+ years.

Transactions include deposits, withdrawals (including via ATM, checks that clear, debit card use or cash) and transfers. Click here for full Truth in Savings disclosure.

Five Star level checking members also qualify for other benefits such as reduced auto loan rates, a primary  mortgage loan closing rebate and monthly bump rates on certificate accounts. Ask a member representative for more details.

 


YOUTH ACCOUNTS

Rising Star (Youth Savings) account pays higher dividends to members' children and grandchildren when account is opened before the age of 18. Converts to an adult account by age 19. Only $5 is required to open a Rising Star account. Ask for more details.

Click here to view a short "What is a Credit Union?" video.

 

 

 

 


ANNUAL DIVIDEND RATE

APY*

Rising Star (Youth Savings)

0.85%

0.85%

Amount paid any month that account receives an e-statement rather than a mailed paper statement.

1.10%

1.11%

*APY is Annual Percentage Yield. Variable rates are subject to change. Fees, if incurred, may reduce earnings.


VISA® CREDIT CARDS

 
Could this be the perfect card for you? No annual fee, no balance transfer fee, no cash advance fee, low rates. Two types to choose from.

NOW ALSO OFFERING 5.99% BALANCE TRANSFERS FOR LIFE! 
If you are tired of other credit cards offering you short term balance transfers that skyrocket in rate when they end, you will love our new offer.  If you already have our card call us at 888-619-1711 (option 2 for loan dept) to transfer a balance from another card. If you don't have one of our credit cards, apply today and apply to transfer a balance with your application! The application and accompanying disclosure will give you the details.

VISA® Platinum
Make purchases, manage expenses and pay bills while enjoying the simplicity and convenience of a traditional credit card. Take advantage of competitive interest rates making this card the economical choice. All with the security that comes with every Visa® credit card.

VISA® Platinum Rewards
Everyday purchases add points to your Rewards program balance. Redeem points for brand name merchandise, certificates for restaurants and travel items such as hotels, car rentals and more! And you can start redeeming with as few as 2,500 points. You’ll earn one point for every $1 spent with your Platinum Rewards credit card. For more information or to spend any of your accumulated rewards points go to www.CURewards.com and then scroll to the bottom of the page to browse the CURewards Web site and start creating your memories today…
You will not need a password to browse but will need to sign up to have a login and password to spend your rewards.  Your accumulated rewards points can be found on your monthly credit card statement and is also available in the upper right corner of the CURewards website after logging in.You are also eligible to sign up for CURewards Mall for special rewards points offered for shopping certain on-line stores using your FSCU Rewards Visa credit card.

Verified by Visa® is also offered by FSCU and puts you in control when shopping online. Only you can approve purchases using your private password or PIN. Click here for more Verified by Visa® information and to register if you choose to.

PAY On-Line - On-Line Visa account access is at your fingertips when you log onto your FSCU account on-line. Just click on "Visa Credit Card" and enter a fully functional personal on-line Visa credit card work station - check your transactions, your balances, your Rewards Points (for reward card holders) and more.

LOST OR STOLEN CREDIT CARDS?
Report them immediately to 800-449-7728.

TO APPLY FOR A FSCU VISA CREDIT CARD CALL 888-619-1711 (option 2 for lending) during business hours or Click here for an application. The application is a fillable pdf. You can fill it out and print, sign and mail it to FSCU/Credit Services  PO Box 2028 Dothan AL 36302 or drop it off at any branch. We do not recommend emailing this information as emails are not secure. Please remember to sign the application before mailing it.

AGREEMENT-DISCLOSURE  (Please read)


FREE VISA® DEBIT CARD (also for ATM Use)

The VISA® Debit/Check Card looks like a credit card, but acts like a check. It gives you the convenience of having purchases deducted nearly instantly from your checking account along with the safety of not having to carry large amounts of cash. Record keeping is simple; just deduct purchases as you would a check in your check register. It allows the flexibility of using it where checks are not accepted and gives you the ability to get cash back when you make purchases at many retailers. You can also get cash from thousands of ATM's worldwide including many surcharge free ATMs that are owned by FSCU or are part of the CU24 HERE, Moneypass or PRESTO (Publix) networks.* There is no annual fee and no interest charged when using this card.

LOST OR STOLEN CHECK/DEBIT CARDS? (or having trouble using it?)
Report them immediately to 888-912-7877. (or call for assistance 24/7)

* See ATMs section for more information on surcharge free ATMs.


VISA® GIFT OR TRAVEL CARDS

Need a gift you can be sure won't end up in the back of someone's closet? With the new Visa® Gift Card, you can avoid the stress of shopping for the perfect gift.
 
Whether you need something for a birthday, wedding or other special event, gift cards are great for any occasion. Unlike other gift cards or certificates that can only be redeemed at a specific store, Visa® gift cards can be used to make purchases at a variety of retail locations and e-commerce web sites.
 
They're accepted anywhere Visa® debit cards are accepted.
 
Visa® gift/travel cards are available at any of our branches. You select the value amount for the card up to $500. To check your card balance, simply call either our toll-free number 800-827-6227 or visit www.myprepaidbalance.com.*
*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.

Offering Gift Cards is part of Five Star Credit Union's ongoing commitment to bring our customers innovative products and services. For more information, please call 888-619-1711 (Option 3).
 
LOST OR STOLEN GIFT CARD?
Report them immediately to 800-827-6557.
 


CERTIFICATE ACCOUNTS

We offer various length terms on share certificate account deposits from 6 months to 48 months. Minimum deposits start as low as $500. Check online or with a Member Service Representative for the current rate and terms.

Click here for rates and terms.

Five Star level checking account members can also qualify for an additional 0.50% APY bump rate at the end of each month on certificate accounts
.

 


MONEY MARKET ACCOUNTS

A money market sometimes earns higher dividends than savings if member has no active checking account. You should compare rates.

  • $1,500 minimum to open and maintain

  • Higher dividends rates available for balances above $100,000

See your Disclosure of Account Terms or a Member Service Representative for current dividends paid and additional details regarding this account.

Click here for rates and terms.


CHRISTMAS/VACATION CLUB ACCOUNTS

These are special savings accounts to help you save for your annual holiday shopping or vacation. Dividends are posted monthly, based on the daily balance. This account can be opened at any time.

Click here for rates and terms.


RETIREMENT ACCOUNTS

We offer a variety of IRA accounts, accepting deposits, rollovers and transfers of IRA's and other pension plans. IRA's are separately insured, also for the maximum federal limit. Choose from Traditional, Roth or Educational IRA's.

Click here* for more information on retirement planning.
*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.


DIRECT DEPOSIT/PAYROLL DEDUCTION

There is no need to wait in line to make a deposit! Most paychecks and government payments (IRS Refunds, Social Security Checks, etc.) can be handled through direct deposit. With direct deposit, all or a portion of your check or payment is sent directly to Five Star where you have quick access to your funds. This offers you the safety of never having a lost or stolen check and the convenience of having your deposit made, even if you are out-of-town, sick or too busy to get to your Five Star office. You may also choose to have a portion of your check deposited into your savings account or have it go towards a loan payment.

 


SPRINT PHONE DISCOUNT FOR FSCU MEMBERS

While Five Star believes the choice of a wireless phone service is a personal one, we are pleased to advise our members who currently use Sprint (or who may wish to use Sprint) of a special Sprint discount offered to FSCU members on phone purchases, "switch to Sprint" incentives and monthly billing discounts for new and existing Sprint users.  Click on the Love my Credit Union/Invest in America/Sprint graphic to the right of this section for more information!

If you click on the graphic 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.

 

  



BENEFITS PLUS® DISCOUNT PROGRAM

Why pay full price for things you can buy at a discount? Save hundreds or even thousands of dollars each year on things you will buy anyway. Benefits Plus® is a discount and benefit program offered exclusively in our Alabama and Georgia areas by FSCU. We offer all members a 60 day free trial offer to try the Benefits Plus® program. After the 60 days, if you choose to continue the program (who wouldn't?) the cost will be $4.95 per month subtracted from your FSCU checking account (required). This amount covers you, your spouse and your minor children - just sign them up too. No long term agreement. Cancel anytime you are tired of saving money.

Here are a few of the many benefits this program offers you.

Identity Theft Protection - Helps prevent identity theft and can save you thousands of dollars and hundreds of hours of work to restore your good name and credit if your Identity is ever stolen. Other Identity theft protection companies offering similar services charge $8.00 to $15.00 per month. Our protection is included at NO additional cost to you as a Benefits Plus® member. You can also set fraud alerts, order credit reports, reduce junk mail and more. Just request a user name and password from Benefits Plus® to access your secure Identity Theft Protection signup page online.

Grocery Savings - What is normally a $100.00 cost per year grocery coupon internet club is yours to access FREE as long as you are a Benefits Plus® member. Save hundreds more each year on groceries with the coupons you select - some available free for printing and others that will be mailed to you. There is a small processing fee for the mailed coupons you order that is offset by additional free coupons Benefits Plus® will send you.

Travel - Get Five Star travel service from Benefits Plus®. Save hours searching for the lowest rate or the best vacation package. Just make one call to Benefits Plus®. The lowest fares available at the time of purchase are guaranteed. PLUS get 3% rebate in a check mailed to you after you travel on your airfare, hotel or rental car and a 5% rebate on any cruises you book through Benefits Plus®.

Prescriptions - Show the "restat" number on the Benefits Plus® card at your local pharmacy (CVS, Rite-Aid, Walgreen, Walmart and many other smaller and independent pharmacies all participate). Ask them what your prescription would cost using that card instead of any other prescription discount card you may have. Compare the prices. Pay the lower one. You may save hundreds of dollars each year. Don't have another prescription card? - you will save even more.

National Restaurants & Retailers - If you eat at Applebee's®, Red Lobster®, Olive Garden®, TGI Fridays®, Chili's, or shop at Old Navy®, Banana Republic®, Payless ShoeSource®, and many other restaurants and retailers, you can buy gift cards through Benefits Plus® for up to 10% LESS than full value. No limit. If you want to, buy $1,000.00 worth of gift cards for $900.00.... then go shopping. Or just buy a $25 gift card for $22.50 if your budget is small - these make nice gifts, or spend it yourself! You just saved 10%!

Eyeglasses - Apply for a FREE Vision Discount card from Benefits Plus®. Save up to 35% or more on purchase of frames and prescription eyeglasses.

Scholarship Searches - Have a child going to college? This benefit costs you an extra one-time $29.95 charge but you are guaranteed to find and receive at least one $200.00 or more grant or scholarship for your child, or Benefits Plus® will send you a savings bond for $200.00

Theme Park Discounts - Heading to a theme park like Six Flags®, Universal Studios®, Stone Mountain®, Atlanta Zoo®, Callaway Gardens®, or many others in the near future? Order your tickets ahead of time from Benefits Plus® and SAVE $. There are even ways to save $ on Disney® Tickets.

So many more Benefits - so little space to name them all.
Movie Discounts - order local movie passes from Benefits Plus® for big discounts. (you do have to plan ahead)
Local Merchant and Professional Discounts - at participating places (we are getting more signing up)
Cash Back Rewards - Shop at over 350 participating online retailers and earn up to 33% cashback when you shop using registered cards.
$5 rebate on your membership to Sam's Club® and other qualifying wholesale clubs.
Up to 5 free memberships and cards for family members living 25 miles or more outside FSCU areas in SE Alabama or SW Georgia. Got a sister in Atlanta?... a daughter in Birmingham? ... or a grandmother in Panama City? Your membership gets them a membership for free with all the same benefits and privileges.

And many more ways to save and reward yourself and family with FSCU's partnership with Benefits Plus®.
What a deal! Change your life! Put money back into your pocket (or into your FSCU account).

And many more ways to save and reward yourself and family with FSCU's partnership with Benefits Plus®.
What a deal!  Change your life! Put money back into your pocket (or into your FSCU account).

Click here for a FSCU Benefits Plus® flyer with an application to get your FREE 60 day trial offer.

Click here to visit the    Benefits Plus® websiteand see all the benefits available to you and your family. 
* 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.


Here's a tip - After you sign up for your 60 day free trial call Benefits ® at 1-866-329-7587 and they will be sure you are signed up for all the benefits you are entitled to and get you started saving faster.

Five Star Credit Union has selected Generations Gold, Inc. a fully independent third party service provider, to provide travel and other discount services on an exclusive basis directly to Benefits Plus® members. Your financial institution assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the direct responsibility of Generations Gold Inc., the benefits provider. Discounts received through Benefits Plus ® may not be used in conjunction with any other discounts. Not all services available in all areas. Benefits and services are subject to change without notice.

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