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Four Seasons Federal Credit Union


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 37th largest credit union in the state of Alabama. It is also the 2,165th largest credit union in the nation. It was established in 1964 and as of December of 2019, it had grown to 26 employees and 8,925 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.
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Health
B+

Data as of Q4 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. Four Seasons Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #16479
Year Chartered1964
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.84%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$58.9MM$54.3MM
LoansQ4 2019vs Q4 2018$23.8MM$21.9MM
DepositsQ4 2019vs Q4 2018$52.7MM$48.4MM
Equity CapitalQ4 2019vs Q4 2018$5.1MM$4.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$240.00K$241.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$198.00K$208.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Four Seasons Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$5-Christmas Club
0.30%$100-IRA Share Account
0.30%$100-Roth IRA Share Account
0.11%$2.5k-Premium Savings
0.10%$100-Regular Savings
0.10%$100-Secondary Savings
0.10%$100-Secured Savings Account

Four Seasons Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%$2.5k-Premium Checking
0.08%$100-Senior Choice Checking
0.07%$100-Business Checking
0.07%$100-Select Checking
0.07%$100-Choice Checking

Four Seasons Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$500-60 Month CD
0.90%$500-48 Month CD
0.70%$500-36 Month CD
0.55%$500-24 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD
0.30%$100-12 Month Step-Up CD
0.20%$500-6 Month CD

Four Seasons Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$10k-12 Month IRA
Locations


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

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