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Certificate Rates

Here at Four Seasons Federal Credit Union, we really
do offer the best rates around! Rates are organized
by category to make them easy and convenient to find!


Please note that you can obtain the latest, most
accurate information on our rates by simply calling
our main branch at 1 (334) 745-4711, or our toll free
number, 1 (800) 715-2122.

Product

Minimum†

APR*

APY**

6 Month Certificate

$500

0.050%

0.050%

12 Month Certificate

$500

0.050%

0.050%

18 Month Certificate

$500

0.050%

0.050%

24 Month Certificate

$500

0.100%

0.100%

36 Month Certificate

$500

0.100%

0.100%

48 Month Certificate

$500

0.100%

0.100%

60 Month Certificate

$500

0.100%

0.100%

EZ-IRA Certificate

$10,000

0.050%

0.050%

12 Month Retirement

$10,000

0.050%

0.050%

12 Month Step-Up

$100

0.100%

0.100%

Savings Rates Table:

Product

Minimum†

APR*

APY**

Frequency††

Savings

$100

0.010%

0.010%

Quarterly

Secondary Savings

$100

0.010%

0.010%

Quarterly

Secured Savings

$100

0.010%

0.010%

Quarterly

Premium Savings

$2,500

0.020%

0.020%

Monthly

IRA (Roth/Regular) Savings

$100

0.150%

0.150%

Quarterly

Christmas Club

$5

0.150%

0.150%

Annually

Checking Rates Table:

Product

Minimum†

APR*

APY**

Select Checking

$100

0.000%

0.000%

Business Checking

$100

0.000%

0.000%

Choice Checking (Regular/RDC)

$100

0.000%

0.000%

Senior Choice Checking (Regular/RDC)

$100

0.000%

0.000%

Premium Checking (Regular/RDC)

$2,500

0.000%

0.000%

New Leaf Checking‡ (Regular/RDC)

-

-

-

‡ New Leaf Checking does not earn dividends.

Loan Rates Table:

Product

APR* (As Low As)

Car/Truck/SUV Loan

3.700%

Motorcycle Loan

5.300%

RV Loan

5.300%

Boat Loan

5.300%

Other Collateral Loan

6.000%

Unsecured Loan

7.900%

Other Unsecured Loan

7.900%

Unsecured Line of Credit

7.900%

Seasonal Loan

7.500%

Visa Platinum Credit Card

7.900%

Visa Secured Credit Card

11.900%

Certificate Secured

3.000% + Certificate Rate

Share Secured

3.000% + Share Rate

2nd Mortgage

Call For Rate

Promo Loan Rates Table:

Product

APR* (As Low As)

Begins

Expires

New/Used Truck/Car/SUV

1.90%

01/01/2021

06/30/2021

Seasonal Loan

6.90%

01/01/2021

06/30/2021

*APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rate Effective Date: 27th October 2021

Rates are subject to change at any time and are not guaranteed to be accurate.

Minimum refers to the minimum balance required to earn dividends on the account.