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.
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.
See current membership details
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.
Overall | |
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NCUA # | 11067 |
Year Chartered | 1956 |
Employees | 30 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.98% |
Return on Equity - YTD | 11.51% |
Annual Interest Income | $4.2MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2022vs Q4 2021 | $134.3MM$129.0MM |
Loans | Q4 2022vs Q4 2021 | $95.0MM$89.0MM |
Deposits | Q4 2022vs Q4 2021 | $121.1MM$118.1MM |
Equity Capital | Q4 2022vs Q4 2021 | $11.5MM$10.0MM |
Loan Loss Allowance | Q4 2022vs Q4 2021 | $100.00K$92.00K |
Unbacked Noncurrent Loans | Q4 2022vs Q4 2021 | $78.00K$76.00K |
Real Estate Owned | Q4 2022vs Q4 2021 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not 4U Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.35% | $100 | - | Savings Account (Primary Share) | |
0.35% | - | - | IRA Share Savings Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.25% | $2k | - | Money Market Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.15% | - | $10k | Kasasa Cash | |
0.05% | $100 | - | Enhanced Checking | |
0.05% | $100 | - | Small Business Checking | |
0.05% | - | - | Silver Checking (76 only) |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
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 |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
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 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 |