Overview / Commentary
115 Mecaw RD
Hampden, ME 04444-1944

Changing Seasons Federal Credit Union is headquartered in Hampden and is the 50th largest credit union in the state of Maine. It is also the 3,217th largest credit union in the nation. It was established in 1966 and as of June of 2018, it had grown to 7 employees and 2,042 members at 1 location. Changing Seasons Federal Credit Union's CD rates are 40% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the greater Bangor, Maine area.
See current membership details


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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. Changing Seasons Federal Credit Union has a low asset base.

Health Grade Components

NCUA #17472
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD1.61%
Annual Interest Income$473.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$23.3MM$22.9MM
LoansQ2 2018vs Q2 2017$18.9MM$17.4MM
DepositsQ2 2018vs Q2 2017$20.9MM$20.6MM
Equity CapitalQ2 2018vs Q2 2017$2.2MM$2.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$69.00K$54.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$53.00K$353.00K
Real Estate OwnedQ2 2018vs Q2 2017$108.00K$41.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Changing Seasons Federal Credit Union Savings Account Rates

0.20%$25-IRA Club Account
0.10%$25-Savings Account
0.10%$25-Club Account

Changing Seasons Federal Credit Union Money Market Rates

0.40%*$50k*-Money Market
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Changing Seasons Federal Credit Union CD Rates

3.30%$100k-60 Month Jumbo CD
3.05%$500-60 Month Share Certificate
3.05%$150-60 Month Monty Moose Share Certificate
2.02%$150-36 Month Monty Moose Share Certificate
2.02%$500-36 Month Share Certificate
2.02%$100k-36 Month Jumbo CD
1.77%$500-24 Month Share Certificate
1.26%$500-12 Month Share Certificate
1.26%$150-12 Month Monty Moose Share Certificate
0.85%$150-24 Month Monty Moose Share Certificate
0.85%$100k-24 Month Jumbo CD
0.75%$500-6 Month Share Certificate
0.75%$150-6 Month Monty Moose Share Certificate
0.75%$100k-6 Month Jumbo CD
0.60%$100k-12 Month Jumbo CD

Changing Seasons Federal Credit Union IRA Rates

3.05%$500-60 Month IRA Certificate
2.02%$500-36 Month IRA Certificate
1.77%$500-24 Month IRA Certificate
1.26%$500-12 Month IRA Certificate
0.75%$500-6 Month IRA Certificate

Changing Seasons Federal Credit Union Locations
Branch Office115 Mecaw RDHampden, ME 04444-1944

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