Question 1

What is 5 Star Community Credit Union (5 Star CCU)?

Accepted Answer

5 Star Community Credit Union (5 Star CCU) is a state-chartered credit union headquartered in Mount Pleasant, Iowa. With approximately $51.5 million in assets and serving over 6,600 members, 5 Star CCU is a community-focused financial cooperative that provides a full range of personal and business banking services to residents of southeast Iowa.

The credit union operates under NCUA charter number 64878 and emphasizes small-town values combined with modern banking conveniences. As a not-for-profit financial institution, 5 Star CCU returns earnings to its members through competitive rates and lower fees.

Question 2

When was 5 Star Community Credit Union (5 Star CCU) founded?

Accepted Answer

[Information not publicly available]

While specific founding details are not readily available in public records, 5 Star Community Credit Union has been serving the Mount Pleasant, Iowa community as a state-chartered credit union for an extended period, building strong relationships with local members and businesses.

Question 3

Where is 5 Star Community Credit Union (5 Star CCU) headquartered?

Accepted Answer

5 Star Community Credit Union is headquartered in Mount Pleasant, Iowa, with its main office located at 100 South Cherry Street, Mount Pleasant, IA 52641.

The credit union can be reached by phone at (319) 385-4914 or toll-free at 1-800-399-4791. Its physical location in downtown Mount Pleasant places it at the heart of the community it serves.

Question 4

Where does 5 Star Community Credit Union (5 Star CCU) operate?

Accepted Answer

5 Star CCU primarily serves members in the Mount Pleasant area and surrounding communities in southeast Iowa. The credit union's membership is available to individuals who live, work, worship, or attend school in Henry County and the surrounding region.

The institution maintains a strong local presence while offering members access to nationwide ATM networks and digital banking services that extend their reach beyond the immediate geographic area.

Question 5

What services does 5 Star Community Credit Union (5 Star CCU) offer?

Accepted Answer

5 Star CCU provides a comprehensive suite of financial products and services designed to meet diverse member needs:

Loan Products:
• Auto loans (48-84 month terms, rates as low as 5.25% APR)
• Personal loans available to all credit scores
• Mortgage loans (first mortgages as low as 6% APR)
• Home Equity Loans and Home Equity Lines of Credit (HELOCs) as low as 7.25% APR
• Land and lot loans
• Recreational vehicle financing including ATVs, UTVs, motorcycles, watercraft, campers, and lawn mowers (rates as low as 7.25% APR)
• Classic car loans
• Tractor financing
• Consumer goods loans
• Share-secured loans
• Holiday loans

Deposit Accounts:
• Share savings accounts
• Checking accounts (including business checking)
• Other savings options

Digital Banking Services:
• Online banking with account management
• Mobile banking app for on-the-go access
• Online loan applications
• Credit card applications

Additional Services:
• Credit cards
• Business banking services for both accounts and loans

The credit union features risk-based lending, providing flexible solutions to members with varying credit profiles and emphasizing accessibility to financial services.

Question 6

What makes 5 Star Community Credit Union (5 Star CCU) unique?

Accepted Answer

5 Star CCU distinguishes itself through several key characteristics:

Small-Town Values: The credit union is known for its friendly staff and personalized service approach, with members consistently praising the institution for treating them as valued individuals rather than account numbers.

Community Benefits: As part of the Iowa credit union network, 5 Star CCU members enjoy special perks such as discounted Adventureland tickets available to all Iowa credit union members, demonstrating the cooperative spirit of the credit union movement.

Flexible Lending: The credit union offers loans to members with all credit score levels, with rates determined by creditworthiness. This inclusive approach ensures that members have access to credit regardless of their financial history.

Comprehensive Recreational Lending: With specialized loan programs for everything from classic cars to tractors to watercraft, 5 Star CCU demonstrates a deep understanding of rural and recreational lifestyle needs in southeast Iowa.

Personalized Customer Service: Member reviews consistently highlight the welcoming environment and the willingness of staff to work with both personal and business account holders to meet their financial needs.

Question 7

What type of financial institution is 5 Star Community Credit Union (5 Star CCU)?

Accepted Answer

5 Star Community Credit Union is a state-chartered credit union regulated by the Iowa Division of Credit Unions and insured by the National Credit Union Administration (NCUA). The credit union is designated as a low-income credit union, reflecting its commitment to serving underserved communities.

As a member-owned financial cooperative, 5 Star CCU operates on the principle of "people helping people." Each member is both a customer and an owner, with membership typically requiring a small initial deposit into a share savings account. Unlike traditional banks, the credit union's profits are returned to members through better rates on loans and savings, lower fees, and enhanced services.

The credit union's governance structure includes a volunteer board of directors elected by the membership, ensuring democratic control and community accountability. As of 2025, 5 Star CCU maintains a healthy net worth ratio of 8.42% and continues to demonstrate steady growth in assets, loans, deposits, and membership.

5 Star Community Credit Union (5 Star CCU)

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About 5 Star Community Credit Union (5 Star CCU) in the United States