Five Star Credit Union St Simons Island GA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Five Star Credit Union, your trusted financial partner located at 95 Cinema Ln, St Simons Island, GA 31522. Since our establishment in 1964, we have been dedicated to serving our community with a member-first approach. With a total membership of 64,955 and assets exceeding $1.18 billion, we take pride in providing personalized banking solutions that meet the unique needs of each member. At Five Star Credit Union, we understand that financial well-being is vital for a thriving community. That's why we offer a wide array of services, including personal banking accounts, auto loans, mortgage options, and business banking solutions all designed to help you achieve your financial goals. Our commitment is reflected in our impressive total deposits of $98,432,540 and robust loan portfolio featuring 144,754 loans and leases. While members can visit us at our branch location, official correspondence should be sent to the same address: 95 Cinema Ln, St Simons Island, GA 31522-6600. Our dedicated team of 226 employees, led by CEO Robert Steensma and Board President Cory Driggers, is always ready to assist you with friendly service and expert advice. Whether you're looking for simple transactions through our drive-thru services or more complex financial products, we're here to help every step of the way. Don't hesitate to reach out to us at 912-264-7533 or visit our website at Five Star Credit Union for more information. Join us today and experience the Five Star difference where your financial success is our top priority!

Branch History & Mission

Community Commitment

Five Star Credit Union is more than just a financial institution; we are an active member of the St Simons Island community. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact in the lives of those around us. Whether it's sponsoring local events or providing financial education workshops, we are dedicated to fostering a strong community spirit. As we look toward the future, we remain focused on innovation while staying true to our roots. With a team of 226 dedicated employees led by CEO Robert Steensma and Board President Cory Driggers, we are here to serve you better each day. While members can visit us at 95 Cinema Ln St Simons Island Ga 31522, official correspondence should be sent to 95 Cinema Ln, St Simons Island, GA 31522-6600. We invite you to join us at Five Star Credit Union. Experience firsthand how we can help you achieve your financial goals while contributing positively to the community. For more information or assistance, feel free to reach out at (912) 264-7533 or visit us online at Five Star Credit Union. Join us today!

Our Mission

At Five Star Credit Union, our mission is straightforward: to enhance the financial well-being of our members while actively supporting the community around us. We believe that everyone deserves access to quality financial services, which is why we offer a variety of products including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. Our approach prioritizes people over profits ensuring that every member feels valued and supported. In addition to traditional banking services, we embrace technology to enhance your experience. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. Plus, with convenient ATM access and drive-thru banking options available at our branch, we make it easy for you to conduct your transactions efficiently.

Branch Location & Accessibility

Accessibility Features

Our branch is fully equipped to accommodate all members, featuring ADA-compliant entrances and ramps for easy access. We offer ample parking spaces right outside the entrance, so you won't have to worry about finding a spot when you arrive.

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 912-264-7533. We're here to make your banking experience smooth and enjoyable. Visit us today at Five Star Credit Union and discover how we can help you achieve your financial goals!

Operating Hours

We understand that your time is valuable! That's why our lobby hours are set from 9 AM to 5 PM, Monday through Friday. We take a brief lunch break from 1 PM to 2 PM daily, but we're ready to assist you before and after that time.

Services Offered

At Five Star Credit Union, we pride ourselves on providing a variety of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated team is here to help. Plus, enjoy the convenience of our ATM services and basic drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At Five Star, we believe that everyone deserves the chance to be part of a supportive community that values your financial journey. Becoming a member is simple! If you live, work, worship, or attend school in our area, you're likely eligible to join us. We welcome individuals and families who are looking for personalized banking solutions, whether you need checking accounts, loans, or just a friendly place to manage your finances. Plus, as a member of Five Star, you'll enjoy benefits like competitive rates and exceptional service tailored just for you. To explore all the details about eligibility and see if you qualify, check out our resources at https://apply.fivestarcu.com/ . Once you're ready to take the next step towards membership, opening an account is easy just visit us at https://loanapp.fivestarcu.com/ or give us a call at (912) 264-7533. We can't wait to welcome you to our family at Five Star, located at 95 Cinema Ln St Simons Island Ga 31522!

Business Banking & Commercial Services

Business Loan Options

Imagine expanding your product line or moving into a larger location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $911 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $231,326,904, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. From secure payment processing to point-of-sale systems, our tools help you manage sales efficiently. Picture this: your customers can pay easily while you track sales data in real time, giving you more insights into your operations. At Five Star, we are dedicated to helping your business thrive. Visit us at 95 Cinema Ln St Simons Island Ga 31522 or call us at (912) 264-7533 to learn how our business banking services can benefit you today!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, Five Star understands the unique challenges businesses face and is here to help.

Convenient Access

We know that convenience is key in today's fast-paced world. That's why we provide ATM services for quick cash withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions. Our digital banking features allow you to manage your finances effortlessly, giving you more time for what matters most. Our team at Five Star is committed to ensuring that your experience is smooth and rewarding. If you have any questions or want to learn more about our services, don't hesitate to reach out at (912) 264-7533. We look forward to helping you navigate your financial future! Ready to take the next step? Visit us online at Five Star Credit Union or stop by our branch today!

Credit Card Rewards

Want to get more from your spending? Our credit cards come with rewards that let you earn points on everyday purchases. It's a simple way to save while enjoying the benefits of responsible credit use.

Loans and Financing

If you're planning to buy a new car or refinance your home, our auto loans and mortgage options are designed to help you secure the financing you need. With competitive rates on both Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing, we make it easier for you to achieve your dreams. Plus, if you need extra funds for personal projects or consolidating debt, our personal loans are here for you.

Personal Banking Services

Whether you're looking to open a checking or savings account, Five Star has you covered. Our personal banking services include flexible options that fit your lifestyle. Imagine having the peace of mind that comes with knowing your money is safe and easily accessible through our online and mobile banking platforms. You can manage your accounts anytime, anywhere.

Digital & Online Banking

Accessibility and User-Friendly Experience

Navigating our digital banking tools is straightforward and user-friendly. Whether you're tech-savvy or just getting started with online banking, you'll find that managing your accounts has never been easier. Real-time account management means you're always in control of your finances without any stress. In summary, with Five Star's digital and online banking services, you'll enjoy a blend of convenience, security, and accessibility that fits seamlessly into your busy lifestyle. Explore all that we have to offer by visiting https://www.fivestarcu.com/ today!

Key Features of Our Digital Banking Services

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. With our mobile application, banking is right at your fingertips. You can also make payments through mobile payment features, so you're never far from your money when you need it. For those who value security, we've implemented electronic signature authorization, making it simple to sign documents digitally while keeping your information safe. Additionally, our e-statements feature allows you to view your account statements online no more waiting for the mail! Do you often send money to friends or family? Our person-to-person transfer service makes sending money as easy as a few taps on your phone. This way, paying someone back or sharing expenses is quick and hassle-free.

Financial Strength

Efficient Operations

Our $2,199,278 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 220 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Focused on You

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This approach allows us to reinvest in innovative banking tools and stronger lending options.

Growing Membership Base

Total Share and Deposit Accounts: 136,457, showing a strong and growing member base that trusts us with their finances. Our focus remains steadfast on providing you the best possible service while maintaining our robust financial standing. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Five Star is your trusted partner. Visit us at 95 Cinema Ln St Simons Island Ga 31522 or call (912) 264-7533 to learn more about how we can help you achieve your financial goals.

Lending Capacity

With $80,308 in used auto loans and $766,382,961 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to finance a vehicle or pursue other important life goals, we're here to help.

Member-Centric Savings Options

Members' savings are secured through $478,837,576 in share certificates and $119,661,691 in money market shares, offering stable and rewarding financial growth opportunities. We understand the importance of your savings, which is why our focus remains on delivering competitive returns while keeping your funds safe.

Strong Financial Health

With a net worth of $154,098,680, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,297 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $125,822,723 in used vehicle loans and $15,284,884 in new vehicle loans already helping members get on the road, we make it easy to find financing that fits your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $27,484,130 in loans helping members manage their finances effectively, our credit cards come with rewards that can benefit your daily spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $19,046,795, making buying or refinancing simple and straightforward. We also provide refinancing options to help you secure better terms or access cash for other needs.

Other Loan Products

For those seeking additional financing options, we have lines of credit available with a total amount of $363,018,217 and outstanding commercial loans totaling $231,326,904 for business owners who need capital to grow and expand. If you're unsure about your eligibility or want more information on our products, don't hesitate to reach out! You can contact us at 912-264-7533. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Five Star Credit Union, we're here to support you every step of the way!

Loan Aggregator

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FIVE STAR CREDIT UNION - St Simons Island, GA