4U Credit Union

Overview / Commentary
1312 Lawrence St
Gainesville, TX 76240

4U Credit Union is headquartered in Gainesville and is the 125th largest credit union in the state of Texas. It is also the 1,599th largest credit union in the nation. It was established in 1956 and as of December of 2020, it had grown to 31 employees and 7,110 members at 3 locations. 4U Credit Union has an A health rating.

Field of Membership Restrictions

4U Credit Union is open to those who live, work, worship, or go to school in Cooke or Grayson counties. Immediate family are also eligible to join.
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Membership Requirements

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In order to be eligible to receive the benefits of the high interest checking, you must become a member of the credit union. The requirements for joining are:

Work, live, attend school or worship in Cooke County Texas or have a family member who is a member.

Accounts must be opened in person.


Health Grade Components

NCUA #11067
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD5.95%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$119.4MM$103.6MM
LoansQ4 2020vs Q4 2019$78.7MM$75.8MM
DepositsQ4 2020vs Q4 2019$109.0MM$94.1MM
Equity CapitalQ4 2020vs Q4 2019$9.5MM$8.9MM
Loan Loss AllowanceQ4 2020vs Q4 2019$96.00K$34.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$61.00K$57.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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4U Credit Union Savings Account Rates

0.25%--IRA Share Savings Account
0.07%$100-Savings Account (Primary Share)

4U Credit Union Money Market Rates

0.12%$2k-Money Market Account

4U Credit Union Checking Account Rates

2.00%-$10kKasasa Cash
0.03%$100-Enhanced Checking
0.03%$100-Small Business Checking
0.03%--Silver Checking (76 only)

4U Credit Union CD Rates

0.50%$1k-36 Month CD
0.30%$1k-24 Month CD
0.25%$1k-18 Month CD
0.15%$1k-12 Month CD
0.10%$1k-6 Month CD
0.10%$1k-9 Month CD
0.05%$1k-3 Month CD

4U Credit Union IRA Rates

0.50%$1k-36 Month IRA CD
0.30%$1k-24 Month IRA CD
0.25%$1k-18 Month IRA CD
0.15%$1k-12 Month IRA CD
0.10%$1k-6 Month IRA CD
0.10%$1k-9 Month IRA CD
0.05%$1k-3 Month IRA CD

4U Credit Union Locations
Branch Office1312 Lawrence StGainesville, TX 76240
Branch Office418 N Union StWhitesboro, TX 76273
Branch Office100 Kiowa Dr W Apt 104Lake Kiowa, TX 76240-9507

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