4U Credit Union

Overview / Commentary
1312 Lawrence St
Gainesville, TX 76240

4U Credit Union is headquartered in Gainesville and is the 128th largest credit union in the state of Texas. It is also the 1,573rd largest credit union in the nation. It was established in 1956 and as of December of 2022, it had grown to 30 employees and 7,192 members at 3 locations. 4U Credit Union's CD rates are 4X the national average, and it 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 - YTD0.98%
Return on Equity - YTD11.51%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$134.3MM$129.0MM
LoansQ4 2022vs Q4 2021$95.0MM$89.0MM
DepositsQ4 2022vs Q4 2021$121.1MM$118.1MM
Equity CapitalQ4 2022vs Q4 2021$11.5MM$10.0MM
Loan Loss AllowanceQ4 2022vs Q4 2021$100.00K$92.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$78.00K$76.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
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4U Credit Union Savings Account Rates

0.35%$100-Savings Account (Primary Share)
0.35%--IRA Share Savings Account

4U Credit Union Money Market Rates

0.25%$2k-Money Market Account

4U Credit Union Checking Account Rates

0.15%-$10kKasasa Cash
0.05%$100-Enhanced Checking
0.05%$100-Small Business Checking
0.05%--Silver Checking (76 only)

4U Credit Union CD Rates

3.15%$1k-12 Month CD Special
1.96%$1k-18 Month CD
1.81%$1k-12 Month CD
1.46%$1k-9 Month CD
1.36%$1k-6 Month CD
1.26%$1k-36 Month CD
1.00%$1k-24 Month CD
0.25%$1k-3 Month CD

4U Credit Union IRA Rates

1.96%$1k-18 Month IRA CD
1.46%$1k-9 Month IRA CD
1.36%$1k-6 Month IRA CD
1.25%$1k-36 Month IRA CD
1.00%$1k-12 Month IRA CD
1.00%$1k-24 Month IRA CD
0.25%$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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