Credit union · NCUA insured
Four Seasons Federal Credit Union
A $102.3M credit union headquartered in Opelika, AL, with 9,631 members and 2 branches in Alabama. Best rates: CDs 3.44% and savings 0.35% APY.
Four Seasons Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#3 of 10 in Auburn, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Four Seasons Federal Credit Union
In 1964, seven employees of the U.S. Rubber Company chartered what would become Opelika Rubberworkers Federal Credit Union in Opelika, Alabama.
Later known as Opelika Royal Federal Credit Union and Royal Federal Credit Union, the credit union became Four Seasons Federal Credit Union in 2007.
Operating two branches, the credit union serves individuals who work, live, worship, or attend school in Lee County, Alabama.
- Headquarters
- 2915 Pepperell Pkwy, Opelika, AL 36801-6127
- NCUA charter
- 16479
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who work, live, worship, or attend school in Lee County, AL are eligible for membership.
Branches
2 branches in Alabama
Loading map…
Alabama
2 branches
- PepperellMain office2915 Pepperell Pkwy, Opelika, AL 36801Directions
- Marvyn2300 Marvyn Pkwy, Opelika, AL 36804Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.64% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.13% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio8.64%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Four Seasons Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.