| 2025 | Coastal Carolina vs Western Kentucky |
| 2024 | Jacksonville State 30 La Lafayette 16 |
| 2023 | Northern Illinois 31 South Alabama 28 |
| 2022 | Utah State 28 Rice 7 |
| 2021 | Texas State 34 Utah State 14 |
| 2020 | Toledo 16 Troy 15 |
| 2019 | Florida Atlantic 42 San Diego State 23 |
| 2018 | MTSU 41 Appalachian State 21 |
| 2017 | North Texas 34 Troy 28 OT |
| 2016 | Appalachian State 35 Toledo 30 |
| 2015 | Arkansas State 7 Nevada 3 |
| 2014 | Northern Illinois 20 Georgia Southern 10 |
| 2013 | Army 30 La. Lafayette 21 |
| 2012 | Toledo 35 Louisiana Monroe 17 |
| 2011 | Temple 27 Troy State 20 |
| 2010 | East Carolina 35 Troy State 17 |
| 2009 | La. Monroe 49 La. Tech 47 3OT |
| 2008 | Buffalo 27 Arkansas State 12 |
| 2007 | Southern Miss 20 Troy State 17 |
| 2006 | Kent State 38 La-Lafayette 24 |
| 2005 | South Florida 23 Toledo 20 |
| 2004 | Miami (Ohio) 43 UAB 21 |
| 2003 | Minnesota 38 Toledo 31 |
| 2002 | Toledo 49 Idaho 34 |
| 2001 | Indiana 42 Texas El Paso 26 |
| 2000 | North Carolina 21 Cincinnati 11 |
| 1999 | Notre Dame 20 Rice 9 |
| 1998 | Louisville 39 Central Florida 27 |
| 1997 | West Virginia 28 Southern Cal 7 |
| 1996 | Army 10 SMU 7 |
| 1995 | Rice 21 Navy 10 |
| 1994 | California 25 TCU 14 |
| 1993 | New Mexico 28 Temple 13 |
| 1992 | Louisville 17 Tulsa 13 |
| 1991 | Tulsa 17 New Mexico 10 |
| 1990 | North Carolina 30 Louisville 16 |
| 1989 | Portland State 28 Alcorn State 21 |
