5 Star Community Credit Union

Overview / Commentary
100 S Cherry St
Mount Pleasant, IA 52641

5 Star Community Credit Union is headquartered in Mount Pleasant and is the 39th largest credit union in the state of Iowa. It is also the 2,484th largest credit union in the nation. It was established in 1950 and as of December of 2023, it had grown to 9 employees and 6,293 members at 2 locations. 5 Star Community Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership eligibility requires that you reside or work inside of Henry County or one of the designated surrounding counties: Van Buren, Lee, Jefferson, Des Moines, Washington, or Louisa. This eligibility status extends to include your immediate family as well. All members are required to make an initial $25 deposit and pay a $1 membership fee.
See current membership details

Reviews (3)

Community First Credit Union Jacksonville

Posted by: |

Community first credit union, located at :
1670 University Blvd. W, Jacksonville, FL 32217 Ms. Alison, an employee for this branch location, is an amazingly genuine woman, whom works very hard to make sure that all of your banking needs are met. And she will go above and beyond for you, to make sure that you as a customer, feel safe, comfortable, and happy you chose community First!
I will continue banking at that branch, because I know Alison is there to help me with anything and everything, that I need help with!
Thank you Alison for your hard work, and dedication , And your patience with your customers!
Vania Griffin-

Tried To Join

Posted by: |

I tried to join them. They took a couple of weeks to give me a reply. I was told that their "risk assessment department" denied me. Apparently accepting my money is too much of a risk for them. Guess that's why they're such a small bank. They treat deposits like loans.

They Loan You A Umbrella And As Soon As It Starts To Rain They Want It Back

Posted by: |

I found in fourteen years of banking with them they are unwilling to do things to help people or businesses that have helped them.  After discussing my difficulties with them to a friend who is a VP at large big city bank I found this one isnt a place to form a long term banking relationship, and if you have been with them for over a decade they treat you as if you are a new customer, and when behind your are a second class citizen

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 5 Star Community Credit Union has a low asset base.

Health Grade Components

NCUA #64878
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD6.32%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$49.1MM$46.1MM
LoansQ4 2023vs Q4 2022$36.6MM$31.8MM
DepositsQ4 2023vs Q4 2022$44.9MM$42.3MM
Equity CapitalQ4 2023vs Q4 2022$3MM$2.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$215K$177K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$286K$866K
Real Estate OwnedQ4 2023vs Q4 2022$27K$0
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5 Star Community Credit Union CD Rates

2.25%$500-12 Month CD
1.50%$500-6 Month CD
1.00%$500-3 Month CD

5 Star Community Credit Union Locations
Branch Office100 S Cherry StMount Pleasant, IA 52641
Branch Office801 W Burlington AveWest Burlington, IA 52655-1648

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