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Four Seasons Federal Credit Union

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Four Seasons Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Four Seasons Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Four Seasons Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.75% and 3-month share certificate rates at 0.10%. Savings rates are at 0.15% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.59%. All these rates can be compared to Four Seasons Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Four Seasons Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.00%. Rates were last updated on 05/15/2026.

Four Seasons Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Four Seasons Federal Credit Union? Share your experience about Four Seasons Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Four Seasons Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.00%

Excellent Lower than avg

Four Seasons Federal Credit Union
Pepperell

2915 Pepperell Pkwy
Opelika, AL 36801 6127

https://www.fourseasonsfcu.com

Current Rate Availability

We do not have Four Seasons Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Four Seasons Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Four Seasons Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Four Seasons Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Four Seasons Federal Credit Union

Website https://www.fourseasonsfcu.com

Address 2915 Pepperell Pkwy, Opelika, AL 36801 6127

Phone 334-745-4711

Fax 334-745-4385

President Rodney Dorsey

CEO Arthur Lehman

Full-Time Employees 26

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.00%

Return on Assets (ROA)

0.6057%

Return on Equity (ROE)

6.9341%

Non-Performing Loans Ratio (NPL)

0.92%

Total Assets

94,828,826

Total Amount of Shares and Deposits

85,802,133

Total Shares and Deposits < 1 Year

80,883,094

Total Shares and Deposits 1 3 Years

3,620,026

Total Shares and Deposits > 3 Years

1,299,012

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,876,787

Total Uninsured Shares and Deposits > $250K (F+J)

4,876,787

Total Insured Shares and Deposits > $250K (item 17 less item K)

80,925,346

Total Interest Expense (Sum of items 6 8)

637,793

Share Certificates

417

Number of Accounts for Share Drafts

6,030

IRA KEOGH Accounts

236

Number of Accounts for Regular Shares

9,850

All other shares

394

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

574,760

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,210,916

Total Liabilities

86,675,947

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Four Seasons Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Four Seasons Federal Credit Union

How many branches does Four Seasons Federal Credit Union operate?

Four Seasons Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Four Seasons Federal Credit Union?

Yes, to access services at Four Seasons Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Four Seasons Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Four Seasons Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Four Seasons Federal Credit Union offer online and mobile banking?

Most modern institutions like Four Seasons Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fourseasonsfcu.com.