Changing Seasons Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.35%	5-year CD	60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD
0.30%	1-year CD	12 Month Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.10%	Savings	Savings Account 1.00% - Ally Bank Online Savings Account

View all Changing Seasons Federal Credit Union rates »

Overview / Commentary

www.changingseasonsfcu.com

207-945-6264

115 Mecaw RD
Hampden, ME 04444-1944

Changing Seasons Federal Credit Union is headquartered in Hampden and is the 54^th largest credit union in the state of Maine. It is also the 3,285^th largest credit union in the nation. It was established in 1966 and as of June of 2016, it had grown to 9 employees and 2,081 members at 1 location. Changing Seasons Federal Credit Union 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.
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Health

B

Data as of Q2 2016

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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

Overall
NCUA #	17472
Year Chartered	1966
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.26%
Return on Equity - YTD	-2.55%
Annual Interest Income	$432.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$22.7MM$22.6MM
Loans	Q2 2016vs Q2 2015	$16.2MM$16.1MM
Deposits	Q2 2016vs Q2 2015	$20.4MM$20.2MM
Equity Capital	Q2 2016vs Q2 2015	$2.3MM$2.3MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$43.00K$40.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$110.00K$98.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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Money Market
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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

APY	MIN	MAX	ACCOUNT NAME
0.20%	$25	-	IRA Club Account
0.20%	$25	-	Roth IRA Club Account
0.20%	$25	-	SEP IRA Club Account
0.20%	$25	-	Coverdell ESA Club Account
0.10%	$25	-	Savings Account
0.10%	$25	-	Club Account

Changing Seasons Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$50k^*	-	Money Market
OTHER TIERS: 0.15% → $2,500 - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k

Changing Seasons Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$500	-	60 Month Share Certificate
1.35%	$150	-	60 Month Monty Moose Share Certificate
0.60%	$500	-	24 Month Share Certificate
0.60%	$150	-	24 Month Monty Moose Share Certificate
0.30%	$500	-	12 Month Share Certificate
0.30%	$150	-	12 Month Monty Moose Share Certificate
0.25%	$500	-	6 Month Share Certificate
0.25%	$150	-	6 Month Monty Moose Share Certificate

Changing Seasons Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$500	-	60 Month IRA Certificate
0.60%	$500	-	24 Month IRA Certificate
0.30%	$500	-	12 Month IRA Certificate
0.25%	$500	-	6 Month IRA Certificate

Locations

Changing Seasons Federal Credit Union Locations
Branch Office	115 Mecaw RD	Hampden, ME 04444-1944