Four Seasons Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.10%5-year CD60 Month CD
0.30%1-year CD12 Month Step-Up CD
0.10%SavingsSecondary Savings

Overview / Commentary
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 2,264th largest credit union in the nation. It was established in 1964 and as of June of 2018, it had grown to 25 employees and 8,692 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+
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
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD-0.25%
Return on Equity - YTD-2.9%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$54.0MM$52.0MM
LoansQ2 2018vs Q2 2017$20.4MM$20.4MM
DepositsQ2 2018vs Q2 2017$48.6MM$46.6MM
Equity CapitalQ2 2018vs Q2 2017$4.6MM$4.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$257.00K$228.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$82.00K$140.00K
Real Estate OwnedQ2 2018vs Q2 2017$15.00K$240.00K
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-M.A.D.D. Account
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%$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

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
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 Office2300 Marvyn PkwyOpelika, AL 36804-7473
Branch Office2915 Pepperell PkwyOpelika, AL 36801-6127

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