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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 September of 2019, it had grown to 9 employees and 2,023 members at 1 location. Changing Seasons Federal Credit Union's CD rates are 2X the national average, and it has a C+ 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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Health
C+

Data as of Q3 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 - YTD0.11%
Return on Equity - YTD1.18%
Annual Interest Income$765.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$23.6MM$23.6MM
LoansQ3 2019vs Q3 2018$18.0MM$19.0MM
DepositsQ3 2019vs Q3 2018$21.3MM$21.2MM
Equity CapitalQ3 2019vs Q3 2018$2.3MM$2.3MM
Loan Loss AllowanceQ3 2019vs Q3 2018$60.00K$46.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$234.00K$42.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$72.00K
Rates
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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

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
0.80%*$75k*-Money Market
OTHER TIERS: 0.50% → $2.5k - $25k | 0.60% → $25k - $75k

Changing Seasons Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$500-60 Month Share Certificate
2.79%$150-60 Month Monty Moose Share Certificate
2.79%$100k-60 Month Jumbo CD
2.17%$500-24 Month Share Certificate
2.17%$150-24 Month Monty Moose Share Certificate
2.17%$100k-24 Month Jumbo CD
1.87%$500-12 Month Share Certificate
1.87%$150-12 Month Monty Moose Share Certificate
1.85%$100k-12 Month Jumbo CD
1.51%$500-6 Month Share Certificate
1.51%$150-6 Month Monty Moose Share Certificate
1.51%$100k-6 Month Jumbo CD

Changing Seasons Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$500-60 Month IRA Certificate
2.17%$500-24 Month IRA Certificate
1.87%$500-12 Month IRA Certificate
1.51%$500-6 Month IRA Certificate
Locations


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

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