Four Seasons Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.6 / 5

SoFi Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.75%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

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Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

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 36^th largest credit union in the state of Alabama. It is also the 1,902^nd largest credit union in the nation. It was established in 1964 and as of September of 2024, it had grown to 27 employees and 9,202 members at 2 locations. Four Seasons Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Four Seasons Federal Credit Union is open to those who live, work, worship, or attend school in Lee County, Alabama.
See current membership details

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Health

B+

Data as of Q3 2024

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	27
Primary Regulator

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	12.18%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q3 2024vs Q3 2023	$91.8MM$81.2MM
Loans	Q3 2024vs Q3 2023	$51.3MM$47.3MM
Deposits	Q3 2024vs Q3 2023	$82.9MM$73.9MM
Equity Capital	Q3 2024vs Q3 2023	$7.4MM$6.5MM
Loan Loss Allowance	Q3 2024vs Q3 2023	$641K$629K
Unbacked Noncurrent Loans	Q3 2024vs Q3 2023	$743K$404K
Real Estate Owned	Q3 2024vs Q3 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.6 / 5

SoFi Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.75%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Rates

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Savings
Checking
CD
IRA

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Four Seasons Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$5	-	Christmas Club
0.40%	$100	-	IRA Share Account
0.35%	$2.5k	-	Premium Savings
0.25%	$100	-	Regular Savings
0.20%	$100	-	Secondary Savings
0.20%	$100	-	Secured Savings Account

Four Seasons Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Business Checking
0.10%	$100	-	Select Checking
0.10%	$2.5k	-	Premium Checking
0.10%	$100	-	Choice Checking
0.10%	$100	-	Senior Choice Checking

Four Seasons Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.29%	$500	-	60 Month CD
3.19%	$500	-	48 Month CD
3.03%	$500	-	36 Month CD
2.83%	$500	-	24 Month CD
2.42%	$500	-	18 Month CD
2.32%	$500	-	12 Month CD

Four Seasons Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.93%	$500	-	60 Month IRA
2.78%	$500	-	48 Month IRA
2.63%	$500	-	36 Month IRA
2.52%	$500	-	24 Month IRA
2.32%	$500	-	18 Month IRA
2.17%	$500	-	12 Month IRA
2.02%	$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

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