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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 126th largest credit union in the state of Texas. It is also the 1,610th largest credit union in the nation. It was established in 1956 and as of December of 2019, it had grown to 27 employees and 6,927 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.
See current membership details

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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.

3


Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #11067
Year Chartered1956
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD7.03%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$103.6MM$94.6MM
LoansQ4 2019vs Q4 2018$75.8MM$67.4MM
DepositsQ4 2019vs Q4 2018$94.1MM$85.8MM
Equity CapitalQ4 2019vs Q4 2018$8.9MM$8.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$34.00K$48.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$57.00K$73.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

4U Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Share Savings Account
0.20%*$50k*-Savings Account
OTHER TIERS: 0.10% → $100 - $10k | 0.15% → $10k - $50k

4U Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Market Account
OTHER TIERS: 0.15% → $2k - $10k | 0.20% → $10k - $50k

4U Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%-$10kKasasa Cash
0.10%$100-Enhanced Checking
0.10%$100-Small Business Checking
0.10%--Silver Checking (76 only)

4U Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$1k-24 Month CD
0.45%$1k-36 Month CD
0.35%$1k-18 Month CD
0.25%$1k-12 Month CD
0.20%$1k-9 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

4U Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$1k-36 Month IRA CD
0.45%$1k-24 Month IRA CD
0.35%$1k-18 Month IRA CD
0.25%$1k-12 Month IRA CD
0.20%$1k-9 Month IRA CD
0.15%$1k-6 Month IRA CD
0.10%$1k-3 Month IRA CD
Locations


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

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.