At a glance
From its website, read 2 Nov 2026FIVE STAR CREDIT UNION is a credit union based in Dothan, Alabama. Its website describes farm loans, auto loans, commercial real estate loans and 6 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (888) 619-1711 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.fivestarcu.com |
| Office (official list) | PO Box 2028, Dothan, AL 36302 |
What their website says about applying
Complete your mortgage application online or at one of our Alabama or Georgia branch locations.
sourceMeet with a local mortgage specialist who will discuss your goals and answer your questions.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Term: see their wording | 30-year fixed loans with stable monthly payments for easier long-term financial planning | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Some membership criteria must be met before this loan can be granted.
source - Collateral required
Since the loan is secured by funds on deposit at Five Star
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 15 Jul 2026 |
| RSSD ID | 691583 |
| Address | PO Box 2028, Dothan, AL 36302 Directions to the main office (Google Maps) |
| Website | www.fivestarcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or borrower-focus statements appear on the pages; one page says members are served nationwide. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Five Star provides funding for seeds, supplies, livestock, out-buildings, tractors, harvesters, and other equipment for both farm families and larger agri-businesses. | source |
| Auto / vehicle loans | — | Financing for new and used vehicles - includes motorcycles, boats, recreational vehicles and personal watercraft | source |
| Commercial real estate loans | — | These loans can be used to acquire property for business purposes and to renovate existing sites. | source |
| Credit-builder loans | — | This is a great option if you need cash but don't want to deplete your savings, or if you wish to establish credit or repair existing credit. | source |
| Small-dollar / emergency loans | — | Five Star has you covered for those times that you need quick cash between checks. The Five Star Express Loan is easy to get. | source |
| Equipment loans | — | Five Star has many solutions including loans, payments, HR, invoicing, and equipment loans. | source |
| Home mortgages | — | Federal Housing Agency (FHA) loans come with down payments as low as 3.5% | source |
| Personal / consumer loans | — | Life happens! Whether it's a fun vacation, wedding plans, consolidating high-interest debt, unplanned auto repairs or medical bills, sometimes you just need some extra cash | source |
| Small-business loans | — | Flexible repayment periods help keep cash flow on track as you get the capital needed to open a business, expand operations, add employees, or purchase equipment and vehicles. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Complete your mortgage application online or at one of our Alabama or Georgia branch locations.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026Emergency Capital Investment Program (ECIP)
Treasury invested $50 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FIVE STAR (charter 68302). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.3 billion (as of 30 Jun 2026) |
|---|---|
| Members | 68,823 (as of 30 Jun 2026) |
| Offices | 27 in 2 states (as of 30 Jun 2026) |
Offices by state and county (27)
Alabama (10 offices)
- Barbour County (1): 1905 S Eufaula Ave, Eufaula 36027
- Coffee County (1): 1231 Neil Metcalf Rd, Enterprise 36330
- Henry County (1): 16706 US Highway 431 S, Headland 36345
- Houston County (7): 5105 Montgomery Hwy, Dothan 36303 (main office); 12864 Cottonwood Rd, Cottonwood 36320; 2356 Murphy Mill Rd, Dothan 36303; 3331 W Main St, Dothan 36305; 3552 S Oates St, Dothan 36301; 4897 W Main St, Dothan 36305; 674 N Oates St, Dothan 36303
Georgia (17 offices)
- Bibb County (3): 1030 Shurling Dr, Macon 31211; 4070 Forsyth Rd, Macon 31210; 498 Poplar St, Macon 31201
- Clay County (1): 78 Main St, Georgetown 39854
- Decatur County (1): 1027 E Shotwell St, Bainbridge 39819
- Early County (2): 11189 Columbia St, Blakely 39823; 12347 Columbia St, Blakely 39823
- Glynn County (1): 95 Cinema Ln, St Simons Island 31522
- Grady County (1): 990 US Highway 84 E, Cairo 39828
- Irwin County (1): 413 N Irwin Ave, Ocilla 31774
- Lee County (1): 1204 US Highway 19 S Ste A, Leesburg 31763
- Mitchell County (1): 260 US Highway 19 N, Camilla 31730
- Seminole County (1): 305 W 3rd St, Donalsonville 39845
- Stewart County (2): 1689 Broad St, Lumpkin 31815; 818 Wall St, Richland 31825
- Telfair County (1): 1825 W Highway 280, Milan 31060
- Wilcox County (1): 593 2nd Ave, Rochelle 31079
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by FIVE STAR CREDIT UNION (NCUA charter 68302, filed as “FIVE STAR”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $860.9 million, 149,780 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 13.4% from $759.4 million on 30 Jun 2025 |
| Members | 68,823 (as of 30 Jun 2026); 65,926 (as of 30 Jun 2025) |
| Loans per member | $12,509 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.26 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $28 million | 3.3% |
| Used vehicle loans | $152.3 million | 17.7% |
| First-lien home mortgages (1-4 family) | $296.5 million | 34.4% |
| Other real estate loans (junior liens, other) | $20.8 million | 2.4% |
| Commercial (business) loans | $250.1 million | 29.1% |
| Credit cards | $26.2 million | 3.0% |
| Other unsecured loans | $26.1 million | 3.0% |
| Leases and other secured loans | $60.8 million | 7.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025FIVE STAR CREDIT UNION reported 334 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $67.5M (median loan about $105,000). 134 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 134 | 40% |
| Refinance (incl. cash-out) | 193 | 58% |
| Home improvement | 7 | 2.1% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 334 | 100% |
Included above: 75 loans on manufactured homes; 15 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 63 counties with at least one; 49% of its 2025 loans were for properties in Alabama:
- Houston County, AL (69)
- Henry County, AL (22)
- Dale County, AL (19)
- Barbour County, AL (17)
- Irwin County, GA (15)
- Early County, GA (13)
- Bibb County, GA (12)
- Geneva County, AL (11)
Filed under LEI 549300IOM384RW3HWE57 as “Five Star Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.26 billion | Larger than 100% of the 5 other certified credit unions in Alabama (median $5.2 million). |
| Loans as a share of assets | 68% | Median of the same 5 credit unions: 54%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $759.4 million → $860.9 million (+13%) | Median change of 5 other certified credit unions in Alabama: +7%. Rank by loans held among these 6: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 334 | More than 79% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Alabama | 5 | larger than 100% |
| Loans held then vs now | certified credit unions in Alabama reporting both dates | 5 | rank 1 → 1 of 6 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 79% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 2 SBA-backed approvals for FIVE STAR CREDIT UNION in fiscal years 2020–2026 (October 2019 to September 2026):
- 2 7(a) loans as the lender
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 2 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (2, 100%)
How this lender was matched in the SBA files: NCUA charter 68302, found through the RSSD ID in NCUA records (SBA lists “Five Star Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. FIVE STAR CREDIT UNION may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Dothan and Alabama
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commercial Bancshares of Ozark, Inc.Bank holding company · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commonwealth National BankBank or thrift · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
Work at FIVE STAR CREDIT UNION? Link to this page
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