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 2,193^rd largest credit union in the nation. It was established in 1964 and as of March of 2019, it had grown to 25 employees and 8,875 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 2019

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	25
Primary Regulator

Profit Margin
Return on Assets - YTD	0.6%
Return on Equity - YTD	6.85%
Annual Interest Income	$585.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$58.1MM$53.2MM
Loans	Q1 2019vs Q1 2018	$22.5MM$20.0MM
Deposits	Q1 2019vs Q1 2018	$52.3MM$47.7MM
Equity Capital	Q1 2019vs Q1 2018	$4.9MM$4.6MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$233.00K$240.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$134.00K$152.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$53.00K

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
0.30%	$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

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

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