4U Credit Union

Overview | Eligibility Requirements | Receive alerts for this credit union

LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.4ucu.org

940-665-1797

1312 Lawrence St
Gainesville, TX 76240

4U Credit Union is headquartered in Gainesville and is the 122^nd largest credit union in the state of Texas. It is also the 1,544^th largest credit union in the nation. It was established in 1956 and as of December of 2024, it had grown to 35 employees and 8,087 members at 4 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, Texas. Immediate family are also eligible to join.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	11067
Year Chartered	1956
Employees	35
Primary Regulator

Profit Margin
Return on Assets - YTD	0.43%
Return on Equity - YTD	4.66%
Annual Interest Income	$6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$137.8MM$134MM
Loans	Q4 2024vs Q4 2023	$107.8MM$97.3MM
Deposits	Q4 2024vs Q4 2023	$124MM$120.2MM
Equity Capital	Q4 2024vs Q4 2023	$12.6MM$12MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$157K$157K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$101K$34K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for 4U Credit Union are currently being reviewed.

Locations

4U Credit Union Locations
Branch Office	1312 Lawrence St	Gainesville, TX 76240
Branch Office	418 N Union St	Whitesboro, TX 76273
Branch Office	100 Kiowa Dr W Apt 104	Lake Kiowa, TX 76240-9507
Branch Office	100 E Woodland St	Collinsville, TX 76233

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.