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 2,087^th largest credit union in the nation. It was established in 1964 and as of September of 2021, it had grown to 23 employees and 9,067 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 Q3 2021

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	23
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	5.53%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$77.0MM$68.4MM
Loans	Q3 2021vs Q3 2020	$25.5MM$23.4MM
Deposits	Q3 2021vs Q3 2020	$71.4MM$62.6MM
Equity Capital	Q3 2021vs Q3 2020	$5.0MM$5.0MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$335.00K$244.00K
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$182.00K$272.00K
Real Estate Owned	Q3 2021vs Q3 2020	$0$0

Rates

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Savings
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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