Opelika, AL 36801

Notable Rates APY Vs.Others
Savings 0.10% 2.10% →
1-Year CD 0.35% 2.02% →
2-Year CD 0.55% 2.02% →
5-Year CD 1.11% 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Credit Union Information

Four Seasons is an NCUA insured institution located in Opelika, AL. It was founded in 1964 and has approximately $57.84 millions in assets.

NCUA Insured Yes
Charter Number # # 16479
Date Established 1964
Assets $57.84 million
Loans $22.92 million
Deposits $51.85 million
Capital $5.00 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Lee County of Alabama.

Deposit Rates - March 30, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.11% $2,500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $100 $2,499 Learn MoreShow Less
Fixed IRA
0.35% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.07% $100 - Learn MoreShow Less

Loan Rates - March 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FOUR SEASONS

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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Below are Four 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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Four Seasons Locations

Financial Details

Four Seasons Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Four 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
Four Seasons U.S. Average
3.41% 5.86

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, 2019, Four Seasons had $163,159 in non-current loans and $15,000 in owned assets. To cover these potential losses it had $5,002,906 in net worth and $222,908 in loans loss reserves. That gives it a Texas Ratio of 3.41%.

Net Worth
Four Seasons U.S. Average
8.64% 13.65%

Four Seasons FCU has a net worth of 8.64% versus the BestCashCow average of 13.65. 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 About Four Seasons

Branches and Savings

What is Four Seasons?

A federal credit union, registered with the NCUA under certificate #16479.
Learn more about credit unions here.

Is Four 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 Four Seasons?

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

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

Four 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 Four Seasons?

Four Seasons has total capital of $5.00 million. Full information on Four Seasons's financial position is located above.

Who owns Four Seasons?

Credit Unions are owned by their members.

Where are Four Seasons branches located?

See branch locations nearby.

Are Four Seasons ATMs Open 24/7?

Do Four Seasons ATMs accept cash deposits?

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

Does Four Seasons have a mobile app?

Does Four Seasons have mobile deposit?

Does Four Seasons have quick pay?

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

Does Four Seasons report to credit bureaus?

Does Four Seasons use Chexsystems?

Does Four Seasons use Equifax?

What is Four Seasons's toll free phone number?

What is Four Seasons's ACH Routing Number?

What is Four Seasons's SWIFT code?

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

What is the Four Seasons address for deposits?

What Products Does Four Seasons Offer

Does Four Seasons offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Four Seasons offer auto and RV loans?

Compare auto loan rates here.

Does Four Seasons offer student loans or personal loans?

Compare personal loan rates here.

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