4U Credit Union

Overview / Commentary

www.4ucu.org

940-665-1797

1312 Lawrence St
Gainesville, TX 76240

4U Credit Union is headquartered in Gainesville and is the 125^th largest credit union in the state of Texas. It is also the 1,565^th largest credit union in the nation. It was established in 1956 and as of June of 2024, it had grown to 33 employees and 8,071 members at 4 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, Texas. Immediate family are also eligible to join.
See current membership details

View all posts from:

2015
2014

2/7 - Nascoga FCU RCA changes effective 4/1/15
1/4 - Nascoga Credit Union RCA ($30K, $2.02%APY) To ($30K, 1.76%APY)

10/2 - Nascoga CU RCA Rate Drop From 2.27%APY To 2.02%APY
5/3 - Nascoga FCU RCA (2.78%APY, $30K) To (2.53%APY, $30K)

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Health

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	11067
Year Chartered	1956
Employees	33
Primary Regulator

Profit Margin
Return on Assets - YTD	0.27%
Return on Equity - YTD	2.96%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$135.4MM$131MM
Loans	Q2 2024vs Q2 2023	$99.6MM$94.7MM
Deposits	Q2 2024vs Q2 2023	$121.7MM$116.7MM
Equity Capital	Q2 2024vs Q2 2023	$12.2MM$11.7MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$149K$138K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$97K$150K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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4U Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$100	-	Savings Account (Primary Share)
0.30%	$0	-	IRA Share Savings Account

4U Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.01%	$2k	-	Money Market Account

4U Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.00%	$0	$10k	Kasasa Cash
0.05%	$100	-	Enhanced Checking
0.05%	$100	-	Small Business Checking
0.05%	$0	-	Silver Checking (76 only)

4U Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.34%	$1k	-	6 Month CD
4.08%	$1k	-	9 Month CD
3.82%	$1k	-	12 Month CD
3.30%	$1k	-	18 Month CD
3.05%	$1k	-	3 Month CD
3.05%	$1k	-	24 Month CD
3.05%	$1k	-	36 Month CD

4U Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.34%	$1k	-	6 Month IRA CD
4.08%	$1k	-	9 Month IRA CD
3.82%	$1k	-	12 Month IRA CD
3.30%	$1k	-	18 Month IRA CD
3.05%	$1k	-	3 Month IRA CD
3.05%	$1k	-	24 Month IRA CD
3.05%	$1k	-	36 Month IRA CD

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

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