What is a Credit Union?
A credit union is a member owned NON-PROFIT financial institution that provides members with a place to save money, get superior rates on loans, and receive superior customer service than they typically would at other financial institutions.

 How does it save me money?
Our earnings, after expenses, are returned to our MEMBERS in the form of higher dividend rates, better loan rates, and more products and services! The earnings of other types of financial institutions, after expenses are paid, are divided amongst the stockholders first, and then to its customers.


  • Over $46 MILLION in Assets
  • 8,800+ Members Strong
  • 45 Years of Service
  • 3 Full Service Locations
  • Convenient Hours
  • We are GROWING Strong

  • Four Seasons FCU is part of a network called CO-OP Shared Branching. That means you can walk into any of our locations, or the other 5,000+ shared branches nationwide to access your account!

    [ Click for: Service Branch Locator ]

    In October 1964, seven employees of the U.S. Rubber Company signed the charter for what was then known as Opelika Rubberworkers Federal Credit Union. In 1974, our name changed to Opelika Royal Federal Credit Union, and the credit union grew slowly in its early years reaching $1 million in assets in 1977. In 1987, we became Royal Federal Credit Union, and the NCUA granted Royal Federal Credit Union a designation in October of 2000, allowing the credit union to accept members who live, work, worship, or attend school in Lee County. In 2007 we became Four Seasons Federal Credit Union. Today we have reached over $46 million in assets and stand 8,800+ members strong, and growing!

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    (c) 2014 Four Seasons Federal Credit Union. Equal Opportunity Lender. Equal Housing Lender.
    Your savings federally insured to at least $250,000 and backed by the full faith and credit of the
    United States Government. Member eligibility required to become a member of Four Seasons.
    Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.