115 Mecaw RD
Hampden, ME 04444


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 17472
Date Established 1966
Assets $23.26 million
Loans $18.91 million
Deposits $20.92 million
Capital $2.24 million

Changing Seasons is an NCUA insured institution located in Hampden, ME. It was founded in 1966 and has approximately $23.26 millions in assets.

Deposit Rates - October 18, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $2,500 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
0.60% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $25 - Learn MoreShow Less

Loan Rates - October 18, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CHANGING SEASONS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.774% 4.750% 0.25 $690 $1,305 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.646% 4.625% 0.25 $625 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Changing Seasons branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Changing Seasons Locations

Financial Details

Changing Seasons Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Changing Seasons. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Changing Seasons U.S. Average
6.31% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, Changing Seasons had $37,494 in non-current loans and $108,058 in owned assets. To cover these potential losses it had $2,238,838 in net worth and $68,592 in loans loss reserves. That gives it a Texas Ratio of 6.31%.

Net Worth
Changing Seasons U.S. Average
9.62% 13.21%

Changing Seasons FCU has a net worth of 9.62% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Changing Seasons

What is Changing Seasons?

A federal credit union, registered with the NCUA under certificate #17472.
Learn more about credit unions here.

Is Changing Seasons FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Changing Seasons?

Please see Field of Membership information above for information on who is eligible to join.

What are Changing Seasons's share account and share certificate rates?

Changing Seasons's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Changing Seasons?

Changing Seasons has total capital of $2.24 million. Full information on Changing Seasons's financial position is located above.

Who owns Changing Seasons?

Credit Unions are owned by their members.

Where are Changing Seasons branches located?

See branch locations nearby.

Are Changing Seasons ATMs Open 24/7?

Do Changing Seasons ATMs accept cash deposits?

Can Changing Seasons customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Changing Seasons have a mobile app?

Does Changing Seasons have mobile deposit?

Does Changing Seasons have quick pay?

How can Changing Seasons transfer money to other banks or credit unions?

Does Changing Seasons report to credit bureaus?

Does Changing Seasons use Chexsystems?

Does Changing Seasons use Equifax?

What is Changing Seasons's toll free phone number?

What is Changing Seasons's ACH Routing Number?

What is Changing Seasons's SWIFT code?

Where can I find Changing Seasons's wire transfer form?

What is the Changing Seasons address for deposits?

What Products Does Changing Seasons Offer

Does Changing Seasons offer mortgages?

Compare mortgage rates here.

Does Changing Seasons offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Changing Seasons offer auto and RV loans?

Compare auto loan rates here.

Does Changing Seasons offer student loans or personal loans?

Compare personal loan rates here.

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