Four Seasons Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.30%	1-year CD	12 Month Step-Up CD 1.05% - Ally Bank High Yield 12-Month CD
0.10%	Savings	Secondary Savings 1.00% - Ally Bank Online Savings Account

View all Four Seasons Federal Credit Union rates »

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 42^nd largest credit union in the state of Alabama. It is also the 2,348^th largest credit union in the nation. It was established in 1964 and as of June of 2016, it had grown to 26 employees and 8,685 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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Health

B+

Data as of Q2 2016

Learn more about bank health

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 low asset base.

Health Grade Components

Overall
NCUA #	16479
Year Chartered	1964
Employees	26
Primary Regulator

Profit Margin
Return on Assets - YTD	0.23%
Return on Equity - YTD	2.49%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$48.8MM$47.4MM
Loans	Q2 2016vs Q2 2015	$22.2MM$22.8MM
Deposits	Q2 2016vs Q2 2015	$43.6MM$42.0MM
Equity Capital	Q2 2016vs Q2 2015	$4.5MM$4.4MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$253.00K$309.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$163.00K$269.00K
Real Estate Owned	Q2 2016vs Q2 2015	$276.00K$569.00K

Rates

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Four Seasons Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	Christmas Club
0.30%	$100	-	IRA Share Account
0.30%	$100	-	Roth IRA Share Account
0.11%	$2,500	-	M.A.D.D. Account
0.10%	$100	-	Regular Savings
0.10%	$100	-	Secondary Savings

Four Seasons Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.08%	$1k	-	M.A.D.D. Plus Checking
0.08%	$100	-	Royal Gold Checking
0.07%	$100	-	Business Checking
0.07%	$100	-	Select Checking
0.07%	$100	-	Student Checking
0.07%	$100	-	Regular Checking Account

Four Seasons Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
1.10%	$500	-	60 Month IRA
0.90%	$500	-	48 Month IRA
0.70%	$500	-	36 Month IRA
0.55%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.35%	$10k	-	12 Month Step-Up IRA
0.35%	$500	-	12 Month IRA
0.20%	$500	-	6 Month IRA

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