Four Seasons Federal Credit Union

Overview / Commentary
2915 Pepperell Pkwy
Opelika, AL 36801

Four Seasons Federal Credit Union is headquartered in Opelika and is the 38th largest credit union in the state of Alabama. It is also the 2,105th largest credit union in the nation. It was established in 1964 and as of June of 2022, it had grown to 23 employees and 9,034 members at 2 locations. Four Seasons Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Lee County of Alabama.
See current membership details


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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. Four Seasons Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #16479
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD13.85%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$78.2MM$76.2MM
LoansQ2 2022vs Q2 2021$33.3MM$25.0MM
DepositsQ2 2022vs Q2 2021$71.7MM$70.8MM
Equity CapitalQ2 2022vs Q2 2021$5.7MM$4.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$155.00K$331.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$140.00K$105.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Four Seasons Federal Credit Union Savings Account Rates

0.15%$5-Christmas Club
0.15%$100-IRA Share Account
0.15%$100-Roth IRA Share Account
0.02%$2.5k-Premium Savings
0.01%$100-Regular Savings
0.01%$100-Secondary Savings
0.01%$100-Secured Savings Account

Four Seasons Federal Credit Union CD Rates

0.10%$500-24 Month CD
0.10%$500-36 Month CD
0.10%$500-48 Month CD
0.10%$500-60 Month CD
0.10%$100-12 Month Step-Up CD
0.05%$500-6 Month CD
0.05%$500-12 Month CD
0.05%$500-18 Month CD

Four Seasons Federal Credit Union IRA Rates

0.05%$10k-12 Month IRA
0.05%$10k-EZ-IRA Certificate

Four Seasons Federal Credit Union Locations
Branch Office2300 Marvyn PkwyOpelika, AL 36804-7473
Branch Office2915 Pepperell PkwyOpelika, AL 36801-6127

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