Four Seasons Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	60 Month CD 3.00% - American Express National Bank 60 Month CD
0.30%	1-year CD	12 Month Step-Up CD 2.45% - Synchrony Bank 12 Month CD
0.10%	Savings	Secondary Savings 1.80% - American Express National Bank High Yield 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 37^th largest credit union in the state of Alabama. It is also the 2,264^th 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.
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Health

B+

Data as of Q2 2018

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	-0.25%
Return on Equity - YTD	-2.9%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$54.0MM$52.0MM
Loans	Q2 2018vs Q2 2017	$20.4MM$20.4MM
Deposits	Q2 2018vs Q2 2017	$48.6MM$46.6MM
Equity Capital	Q2 2018vs Q2 2017	$4.6MM$4.6MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$257.00K$228.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$82.00K$140.00K
Real Estate Owned	Q2 2018vs Q2 2017	$15.00K$240.00K

Rates

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Checking
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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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