Credit union · NCUA insured
Five Star Credit Union
A $1.3B credit union, the 396th largest of 4,329, headquartered in Dothan, AL, with 66,938 members and 28 branches in 3 states. Best rates: CDs 3.80% and savings 1.31% APY.
Five Star Credit Union Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#5 of 8 in Dothan, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Five Star Credit Union
Founded in 1964 as Cedar Springs Federal Credit Union in Cedar Springs, Georgia, Five Star Credit Union is now headquartered in Dothan, Alabama.
Originally chartered to serve Great Southern Paper Company employees, the credit union has expanded to 29 financial centers serving 49 counties across Alabama and Georgia.
- Headquarters
- 5105 Montgomery Hwy, Dothan, AL 36303
- NCUA charter
- 68302
Branches
28 branches in 3 states
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Georgia
16 branches
Blakely area · 2
- Five Star Credit Union11189 Columbia St, Blakely, GA 39823Directions
- Five Star Credit Union12347 Columbia St, Blakely, GA 39823Directions
Columbus area · 2
- Five Star Credit Union1689 Broad St, Lumpkin, GA 31815Directions
- Richland818 Wall St, Richland, GA 31825Directions
Macon area · 2
- Macon Forsyth4070 Forsyth Rd, Macon, GA 31210Directions
- Macon498 Poplar St, Macon, GA 31201Directions
Bainbridge area · 1
- Five Star Credit Union1027 E Shotwell St, Bainbridge, GA 39819Directions
Thomasville area · 1
- Five Star Credit Union990 US Highway 84 E, Cairo, GA 39828Directions
Camilla area · 1
- Five Star Credit Union260 Hwy 19 N, Camilla, GA 31730Directions
Donalsonville area · 1
- Five Star Credit Union305 W 3rd St, Donalsonville, GA 39845Directions
Eufaula area · 1
- Five Star Credit Union78 Main St, Georgetown, GA 39854Directions
Albany area · 1
- Five Star Credit Union1204 US Highway 19 S Ste A, Leesburg, GA 31763Directions
Milan area · 1
- Milan1825 W Highway 280, Milan, GA 31060Directions
Ocilla area · 1
- Irwin413 N Irwin Ave, Ocilla, GA 31774Directions
Rochelle area · 1
- Roch593 2nd Ave, Rochelle, GA 31079Directions
Brunswick area · 1
- Ssi95 Cinema Ln, Saint Simons Island, GA 31522Directions
Alabama
9 branches
Dothan area · 7
- Five Star Credit Union12864 Cottonwood Rd, Cottonwood, AL 36320Directions
- Five Star Credit Union3552 S Oates St, Dothan, AL 36301Directions
- Five Star Credit Union2356 Murphy Mill Rd, Dothan, AL 36303Directions
- Five Star Credit Union674 N Oates St, PO Box 2028, Dothan, AL 36303Directions
- Five Star Credit Union4897 W Main St, Dothan, AL 36305Directions
- Five Star Credit Union3331 W Main St, Dothan, AL 36305Directions
- Five Star Credit Union16706 US Highway 431 S, Headland, AL 36345Directions
Enterprise area · 1
- Five Star Credit Union1231 Neil Metcalf Rd, Enterprise, AL 36330Directions
Eufaula area · 1
- Eufaula1905 S Eufaula Ave, Eufaula, AL 36027Directions
Mississippi
3 branches
- JafcuMain office5675 Highway 18 W, Jackson, MS 39209Directions
- JAFCU-Byram7375 S Siwell Rd, Byram, MS 39272Directions
- JAFCU-Clinton204 Clinton Blvd, Clinton, MS 39056Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.82% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.50% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.10% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $79 | $88 | — |
- CapitalNet worth ratio13.82%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.50%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.10%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$79Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Five Star Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.