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 37^th largest credit union in the state of Alabama. It is also the 2,084^th largest credit union in the nation. It was established in 1964 and as of March of 2022, it had grown to 24 employees and 9,045 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 Q1 2022

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	24
Primary Regulator

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	13.11%
Annual Interest Income	$550.00K

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$79.9MM$76.8MM
Loans	Q1 2022vs Q1 2021	$29.4MM$23.3MM
Deposits	Q1 2022vs Q1 2021	$73.5MM$71.5MM
Equity Capital	Q1 2022vs Q1 2021	$5.5MM$4.9MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$162.00K$296.00K
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$201.00K$170.00K
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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CD
IRA

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Four Seasons Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$10k	-	12 Month IRA
0.05%	$10k	-	EZ-IRA Certificate

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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