Changing Seasons Federal Credit Union


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

Changing Seasons Federal Credit Union is headquartered in Hampden and is the 49th largest credit union in the state of Maine. It is also the 3,133rd largest credit union in the nation. It was established in 1966 and as of June of 2020, it had grown to 10 employees and 2,172 members at 1 location. Changing Seasons Federal Credit Union has a B 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
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
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD-0.49%
Return on Equity - YTD-6.1%
Annual Interest Income$534.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$26.1MM$23.4MM
LoansQ2 2020vs Q2 2019$21.6MM$18.1MM
DepositsQ2 2020vs Q2 2019$24.0MM$21.0MM
Equity CapitalQ2 2020vs Q2 2019$2.0MM$2.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$82.00K$64.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$230.00K$194.00K
Real Estate OwnedQ2 2020vs Q2 2019$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
0.10%$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
0.40%*$75k*-Money Market
OTHER TIERS: 0.20% $2.5k - $25k | 0.30% $25k - $75k

Changing Seasons Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$500-60 Month Share Certificate
1.10%$150-60 Month Monty Moose Share Certificate
1.10%$100k-60 Month Jumbo CD
0.75%$500-24 Month Share Certificate
0.75%$150-24 Month Monty Moose Share Certificate
0.75%$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
1.10%$500-60 Month IRA Certificate
0.75%$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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