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Changing Seasons Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.02%5-year CD60 Month Share Certificate
0.60%1-year CD12 Month Jumbo CD
0.10%SavingsSavings Account

Overview / Commentary
207-945-6264
115 Mecaw RD
Hampden, ME 04444-1944

Changing Seasons Federal Credit Union is headquartered in Hampden and is the 54th largest credit union in the state of Maine. It is also the 3,306th largest credit union in the nation. It was established in 1966 and as of December of 2016, it had grown to 9 employees and 2,048 members at 1 location. Changing Seasons Federal Credit Union 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+
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-0.39%
Return on Equity - YTD-3.92%
Annual Interest Income$870.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$22.1MM$21.4MM
LoansQ4 2016vs Q4 2015$16.6MM$16.2MM
DepositsQ4 2016vs Q4 2015$19.9MM$19.1MM
Equity CapitalQ4 2016vs Q4 2015$2.2MM$2.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$52.00K$35.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$392.00K$89.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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
0.20%$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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$100k-60 Month Jumbo CD
2.02%$500-60 Month Share Certificate
2.02%$150-60 Month Monty Moose Share Certificate
1.21%$150-36 Month Monty Moose Share Certificate
1.21%$500-36 Month Share Certificate
1.21%$100k-36 Month Jumbo CD
0.85%$500-24 Month Share Certificate
0.85%$150-24 Month Monty Moose Share Certificate
0.85%$100k-24 Month Jumbo CD
0.60%$500-12 Month Share Certificate
0.60%$150-12 Month Monty Moose Share Certificate
0.60%$100k-12 Month Jumbo CD
0.25%$500-6 Month Share Certificate
0.25%$150-6 Month Monty Moose Share Certificate
0.25%$100k-6 Month Jumbo CD

Changing Seasons Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month IRA Certificate
1.21%$500-36 Month IRA Certificate
0.85%$500-24 Month IRA Certificate
0.60%$500-12 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
Locations


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