Four Seasons Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fourseasonsfcu.com

334-745-4711

2915 Pepperell Pkwy
Opelika, AL 36801

Four Seasons Federal Credit Union is headquartered in Opelika and is the 36^th largest credit union in the state of Alabama. It is also the 1,868^th largest credit union in the nation. It was established in 1964 and as of March of 2025, it had grown to 27 employees and 9,393 members at 2 locations. Four Seasons Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Four Seasons Federal Credit Union is open to those who live, work, worship, or attend school in Lee County, Alabama.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

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

Health Grade Components

Overall
NCUA #	16479
Year Chartered	1964
Employees	27
Primary Regulator

Profit Margin
Return on Assets - YTD	-1.02%
Return on Equity - YTD	-12.92%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$95.8MM$89.7MM
Loans	Q1 2025vs Q1 2024	$53.6MM$47.8MM
Deposits	Q1 2025vs Q1 2024	$86.8MM$81.8MM
Equity Capital	Q1 2025vs Q1 2024	$7.3MM$7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1MM$640K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$411K$555K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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Four Seasons Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$5	-	Christmas Club
0.35%	$2.5k	-	Premium Savings
0.25%	$100	-	Regular Savings
0.20%	$100	-	Secondary Savings
0.20%	$100	-	Secured Savings Account

Four Seasons Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Business Checking
0.10%	$100	-	Select Checking
0.10%	$2.5k	-	Premium Checking
0.10%	$100	-	Choice Checking
0.10%	$100	-	Senior Choice Checking

Four Seasons Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.29%	$500	-	60 Month CD
3.19%	$500	-	48 Month CD
3.03%	$500	-	36 Month CD
2.83%	$500	-	24 Month CD
2.42%	$500	-	18 Month CD
2.32%	$500	-	12 Month CD

Four Seasons Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.93%	$500	-	60 Month IRA
2.78%	$500	-	48 Month IRA
2.63%	$500	-	36 Month IRA
2.52%	$500	-	24 Month IRA
2.32%	$500	-	18 Month IRA
2.27%	$500	-	6 Month IRA
2.17%	$500	-	12 Month IRA
0.40%	$100	-	IRA Share Account

Locations

Four Seasons Federal Credit Union Locations
Branch Office	2300 Marvyn Pkwy	Opelika, AL 36804-7473
Branch Office	2915 Pepperell Pkwy	Opelika, AL 36801-6127

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