**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

Checking and Savings Dividend Rates

Rates are effective as of 6/14/2021, and are subject to change

Type Dividend Rate     APY
Savings-Minimum Balance $5.00/Dividends Pay at $25.00  0.05% 0.05%
Checking-Minimum Balance $0 0.000% 0.000%
Money Market-Minimum Balance $0/Dividends Pay at $2,500
  • $2,500 – $24,999.99
0.05% 0.05%
  • $25,000 – $74,999.99
0.10% 0.10%
  • Over 75,000
0.15% 0.15%
*All Clubs-Minimum Balance $0/Dividends Pay at $25.00  0.05% 0.05%
IRA Club-Minimum Balance $0/Dividends Pay at $25.00 0.05% 0.05%


*Christmas clubs may be transferred to savings or checking on September 30th each year

Except as specifically described, the following disclosures apply to all accounts.

  1. Dividend Rate Information: The Dividend Rate and Annual Percentage Yield on your accounts as of the last dividend declaration date are set forth. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for the type of account. The Annual Percentage Yield for certificates is based on an assumption the dividends will remain on deposit until maturity. A withdrawal will reduce earnings. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors.
  2. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
  3. Compounding and Crediting: Dividends will be compounded and credited as set forth in brochures for regular shares, clubs, drafts and certificate accounts. Brochures may be picked up at the Credit Union.
  4. Balance Information: Each type of account has its own minimum balance requirements. Call the Credit Union for details. Dividends and minimum balances are calculated using the Average Daily Balance method. The Average Daily Balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in that period.
  5. Accrual of Dividends: Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit.


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.