Credit union · NCUA insured
Four Seasons Federal Credit Union Savings Rates
Four Seasons Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Premium Savings. Rates checked October 22, 2026.
How Four Seasons Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Auburn, AL, where Four Seasons Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Four Seasons Federal Credit Union
0.35%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $35
Premium Savings
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Four Seasons Federal Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Four Seasons Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Savings
0.35%APY
Similar to a money market savings account with a $2,500.00 minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance required to earn dividends is $2,500. Dividend payment frequency is monthly.$2,500 and up | 0.35% | $35 | Minimum balance required to earn dividends is $2,500. Dividend payment frequency is monthly. |
Sources (2)
All captured Oct 5, 2026
Savings
0.25%APY
Cornerstone of credit union membership. Minimum balance of $5.00 must be maintained at all times.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Dividend payment frequency is quarterly.$100 and up | 0.25% | $25 | Minimum balance to earn dividends is $100. Dividend payment frequency is quarterly. |
Sources (2)
All captured Oct 5, 2026
Secondary Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Dividend payment frequency is quarterly.$100 and up | 0.20% | $20 | Minimum balance to earn dividends is $100. Dividend payment frequency is quarterly. |
Sources (2)
All captured Oct 5, 2026
Secured Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Dividend payment frequency is quarterly.$100 and up | 0.20% | $20 | Minimum balance to earn dividends is $100. Dividend payment frequency is quarterly. |
Sources (1)
- fourseasonsfcu.com/rates-savings · captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.40%APY
Dividends are compounded and credited annually on October 31st of each calendar year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Dividend payment frequency is annually on October 31st.$5 and up | 0.40% | $40 | Minimum balance to earn dividends is $5. Dividend payment frequency is annually on October 31st. |
Sources (2)
All captured Oct 5, 2026
IRA (Roth/Regular) Savings
0.40%APY
Can be set up as either a Traditional or a Roth account. Subject to early withdrawal penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Dividend payment frequency is quarterly.$100 and up | 0.40% | $40 | Minimum balance to earn dividends is $100. Dividend payment frequency is quarterly. |
Sources (2)
All captured Oct 5, 2026
Who can join Four Seasons Federal Credit Union
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.
Membership information collected October 4, 2026.