**COVID-19 Update to Branch Operations**

The lobby is now open by appointment only. Click HERE for more information.

115 Mecaw Rd., Hampden, ME 04444|(207) 945-6264

Better for Borrowers

Find a way out of debt


man in tunnel with arms out wide

If you’ve fallen into the cycle that millions of Americans have experienced, getting a payday loan, paying high interest rates, and facing crippling penalty fees only to return again and get deeper into debt, know that there is a better way.


Changing Seasons wants to work with you to help you overcome the odds and provide lending solutions that won’t bury you under debt. The Better for Borrowers Loan is a program that will let you pay off up to $1,000 in payday loans at a lower interest rate, saving you money and helping you to escape the cycle.


Getting started is easy:

  1. Contact us today to find out if you are eligible or fill out the easy application to get started.
  2. Bring your paperwork, a completed application and a $25 application fee to our branch.
  3. Receive your loan proceeds, payable to the payday lender.


Don’t let another payday go by. Contact one of our specialists today.

Bobbi Jo            Bobbijo@changingseasonsfcu.com       Phone: 207-945-9140

Dee                      Deirdre@changingseasonsfcu.com       Phone: 207-945-3500

Links to Third Party Sites

You are now leaving Changing Seasons Federal Credit Union ("The Credit Union") website and linking to a website not owned or operated by the Credit Union. Links to other Web Sites/e-mail addresses are provided solely as a convenience to our members and other customers.

The Credit Union has no control over the content of these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties.

The Credit Union's privacy disclosures do not apply to linked Third Party websites, and we advise you to consult the privacy disclosures on the linked Third Party website for further information.

The Credit Union's website may also contain links to other websites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Credit Union's privacy or other policies; and you are advised to review the privacy disclosures applicable to each Affiliated Site you visit.

Products / Services Offered by Third Parties / Affiliates: Any products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between you and the third party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.