Five stars on a board.

Deposit Rates

One of the perks of being a Five Star member is lower loan rates, higher deposit rates, and fewer fees. We are able to do this for our members because we are a not-for-profit financial institution.  That’s the Five Star difference.

If you are not a member, you can join online or stop by your local financial center. If you need assistance on your account or to add a share certificate account, call the Five Star Member Care Center at 888.619.1711 (Option 7).
 

Savings, Checking, IRA & Club Accounts
(Rates effective November 1, 2023)
 
Type Annual Dividend Rate APY*
Savings (Share) Account See Savings Account Rates 0.05%
Checking Account See Checking Options
0.05%
Club Accounts (Vacation, Christmas; etc.) 0.35% 0.35%
IRA Savings (Non-Certificate) 0.50% 0.50% 
*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.
Youth (Rising Star) accounts have a special rate. See Youth Accounts under "Products and Services" for more information. 
 
Share Certificate, IRA Certificate & APYs ($500 Minimum*)
Type Annual Dividend Rate APY*
6 Months
4.89%
5.00%
12 Months
4.65%
4.75%
24 Months
4.17%
4.25%
36 Months
4.03%
4.10%
48 Months
3.93%
4.00%
60 Months
3.83%
3.90%
*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings. 
 
Premier Growth Money Market Rates ($2,000 Minimum To Open)
Money Market Accounts With Less Than $2,000 Earn Savings Account Base Rate. 
Balance Annual Dividend Rate APY*
$2,000 - $49,999.99 1.30% 1.31%
$50,000 - $99,999.99 1.50% 1.51%
$100,000 or greater 1.75% 1.76%


Business Money Market Rates & APYs ($25,000 Minimum*)
Type Annual Dividend Rate APY*
$25,000 - $99,999.99 0.25% 0.25%
$100,000 - $249,999.99 0.50% 0.50%
$250,000 or greater 0.75% 0.75%
*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.
All rates are subject to change and subject to other applicable terms and conditions.









































Five Star Credit Union is a full-service financial institution with locations in Alabama and Georgia, serving members nationwide.