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Changing Seasons Federal Credit Union


Overview / Commentary
www.changingseasonsfcu.com
207-945-6264
115 Mecaw RD
Hampden, ME 04444

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 3,163rd largest credit union in the nation. It was established in 1966 and as of December of 2019, it had grown to 9 employees and 2,019 members at 1 location. Changing Seasons Federal Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Changing Seasons Federal Credit Union is open to those who live, work, worship, attend school, or volunteer in Penobscot or Waldo Counties, Maine. Immediate family members of current Changing Seasons members or membership-eligible individuals also qualify to join.
See current membership details

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Health
C+

Data as of Q4 2019

Learn why bank health matters
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

Overall
NCUA #17472
Year Chartered1966
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD-0.6%
Return on Equity - YTD-6.73%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$23.6MM$23.7MM
LoansQ4 2019vs Q4 2018$17.6MM$19.1MM
DepositsQ4 2019vs Q4 2018$21.4MM$21.4MM
Equity CapitalQ4 2019vs Q4 2018$2.1MM$2.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$75.00K$50.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$115.00K$47.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Changing Seasons Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-IRA Club Account
0.10%$25-Savings Account
0.10%$25-All Club Account
0.10%$25-Christmas Club Account

Changing Seasons Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$75k*-Money Market
OTHER TIERS: 0.30% → $2.5k - $25k | 0.40% → $25k - $75k

Changing Seasons Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$500-60 Month Share Certificate
1.41%$150-60 Month Monty Moose Share Certificate
1.41%$100k-60 Month Jumbo CD
1.01%$500-24 Month Share Certificate
1.01%$150-24 Month Monty Moose Share Certificate
1.01%$100k-24 Month Jumbo CD
0.40%$500-12 Month Share Certificate
0.40%$150-12 Month Monty Moose Share Certificate
0.40%$100k-12 Month Jumbo CD
0.30%$500-6 Month Share Certificate
0.30%$150-6 Month Monty Moose Share Certificate
0.30%$100k-6 Month Jumbo CD

Changing Seasons Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$500-60 Month IRA Certificate
1.01%$500-24 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
0.30%$500-6 Month IRA Certificate
Locations


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

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