Four Seasons Federal Credit Union

Four Seasons Federal Credit Union Locations

2915 Pepperell Parkway
Opelika, AL 36801
(334)745-4711
www.fourseasonsfcu.com

OverView
Rates
Health
Reviews

Founded in 1964 in Opelika, AL, Four Seasons Federal Credit Union is a full-service financial innovator offering savings accounts, checking accounts, and loans to the people of Lee County, AL.

Report an Issue

See Rates for: Checking | Savings | CD | IRA

Four Seasons Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$1k	-	M.A.D.D. Plus Checking
0.12%	-	-	Royal Gold Checking
0.10%	$100	-	Business Checking
0.10%	$100	-	Select Checking
0.10%	$100	-	Student Checking
0.10%	$100	-	Basic Checking

Four Seasons Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	$100	-	IRA Share Account
0.75%	$100	-	Roth IRA Share Account
0.50%	-	-	Christmas Club
0.20%	$2,500	-	M.A.D.D. Account
0.15%	$100	-	Regular Savings

Four Seasons Federal Credit Union CD Rates

Apy	Min	Max	Product
1.76%	$500	-	60 Month CD
1.36%	$500	-	48 Month CD
1.16%	$500	-	36 Month CD
1.00%	$500	-	24 Month CD
0.80%	$500	-	18 Month CD
0.65%	$500	-	12 Month CD
0.50%	$500	-	6 Month CD
0.40%	$100	-	1 Year Step-Up CD

Four Seasons Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.76%	$500	-	60 Month IRA
1.76%	$500	-	60 Month Roth IRA
1.36%	$500	-	48 Month IRA
1.36%	$500	-	48 Month Roth IRA
1.16%	$500	-	36 Month IRA
1.16%	$500	-	36 Month Roth IRA
1.00%	$500	-	24 Month IRA
1.00%	$500	-	24 Month Roth IRA
0.80%	$500	-	18 Month IRA
0.80%	$500	-	18 Month Roth IRA
0.65%	$500	-	12 Month IRA
0.65%	$10k	-	12 Month Easy Access IRA Certificate
0.65%	$10k	-	12 Month Easy Access Roth IRA Certificate
0.65%	$500	-	12 Month Roth IRA
0.50%	$500	-	6 Month IRA
0.50%	$500	-	6 Month Roth IRA
0.40%	$100	-	1 Year Step-Up IRA
0.40%	$100	-	1 Year Step-Up Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

FOUR SEASONS
NCUA #	16479
BankRate Report	View
Year Established	1964
Employees	29
Primary Regulator
Assets and Liabilities
Assets	$46.29 million
Loans	$31.62 million
Deposits	$41.58 million
Equity Capital	$4.04 million
Loan Loss Allowance	$702,000
Unbacked Noncurrent Loans	$877,000
Real Estate Owned	$1.13 million
Historic Data - September 2010
Assets	$48.67 million
Equity Capital	$3.76 million
Loan Loss Allowance	$656,000
Unbacked Noncurrent Loans	$1.15 million
Real Estate Owned	$1.26 million
Profit Margin - Quarterly
Net Interest Margin	5.79%
Return on Assets	0.48%
Return on Equity	5.51%
Interest Income	$2.14 million
Non-Interest Income	$1.25 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Four Seasons Federal Credit Union had $2 million in non-current loans and owned real-estate with $4.74 million in equity and loan loss allowances on hand to cover it. This gives Four Seasons Federal Credit Union a Texas Ratio of 42.26% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Four Seasons Federal Credit Union decreased slightly from 54.57% as of September 30, 2010 to 42.26% as of September 30, 2011, resulting in a positive change of 22.55%.This indicates that the balance sheet and financial strength for Four Seasons Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Four Seasons Federal Credit Union has decreased its total deposits by -$2.77 million, resulting in -6.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Four Seasons Federal Credit Union has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Four Seasons Federal Credit Union has $46.29 million in assets with $4.74 million in equity, resulting in a capitalization level of 10.24%, which is above average.

No reviews have been left for this bank yet. Be the first to review.