Featured Savings Rates
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Plus4 Credit Union

Popular Accounts at this Credit Union

2.51%Reward CheckingKasasa Cash
1.49%5-year CD60 Month Regular CD
0.60%1-year CD12 Month Bump Up Regular CD

Overview / Commentary
9998 Almeda Genoa Rd
Houston, TX 77075

Plus4 Credit Union is headquartered in Houston and is the 116th largest credit union in the state of Texas. It is also the 1,426th largest credit union in the nation. It was established in 1929 and as of December of 2017, it had grown to 42 employees and 18,008 members at 4 locations. Plus4 Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Plus4 Credit Union is open to those who live, work, worship, or attend school and businesses within ten miles of the Almeda Genoa Road in Houston branch, HWY 59N. in Humble branch, or the Aldine Bender Road in Houston branch. Membership is also open to employees of the Houston division of the U.S. Postal Service and retirees of the U.S. Postal Service.
See current membership details

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Reviews (6)

Rate Dropped To 2.51%

Posted by: Anonymous | Dec 7, 2011

Reward checking rate dropped to 2.51% per website. Checked on 12-07-2011.

Customer Fees

Posted by: LoyalC | Jul 12, 2013

Plus 4 Credit Union has a system set up to charge their customers as many $35.00 fees as possible. We have had a direct deposit with Plus 4 prior to 1998 when they were Houston Postal Credit Union; however they hold funds unnecessary and send large transactions through first so they can charge mutiple fees for smaller transactions and blame it on the vendors. We utilize the same vendors most of the time and my direct deposit arrives every month from the government for $5K plus;however my funds will be pending while fees are accumalating. They take advantage of their customers and have never comp. a fee charge.


Posted by: Anon456 | Feb 28, 2018

And what do you get - - poor service

AND they charged us $5 to close and leave. Worth it to leave.



The Wrong Credit Union

Posted by: lrware | Dec 11, 2015

I was told that before plus 4 is excellent credit union but unfortunately I was wrong it's taking a long time for my bank card to come I have applied for this account on November 23rd still my bank card has not arrived I will not tell a friend to tell anyone visit this bank customer service is very poor when you get someone from the call center they don't answer the answer the promptly is always a bunch of lies I was told I would get my bank card in ten days have not received it today is December 10th 2015 and still haven't gotten it I would not advise anyone to open an account here very bad business.

Customer Service

Absolutely terrible! We had an issue with Joe Diaz. He was rude, had an attitude, interrupted you when you tried to talk or explain. He thought I yelled at him, and told my husband that we don't conduct business this way, and that I don't have a right to yell. He told my husband that he may let his wife talk to him that way, but she wasn't going to talk to me that way. Um, he had an attitude with my husband before I ever got on the phone
He doesn't have a right to be rude.
I was frustrated because communication between companies was not good, and someone didn't do their job. My husband called back to speak with a supervisor, and Joe Diaz said that he could not. Then he gave him the run around about a supervisor not even being there. I'm sorry, but a bank isn't going to run without someone in charge, and I know it wasn't him!


Health Grade Components

NCUA #61457
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.83%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$120.9MM$116.0MM
LoansQ4 2017vs Q4 2016$97.8MM$96.2MM
DepositsQ4 2017vs Q4 2016$112.3MM$108.3MM
Equity CapitalQ4 2017vs Q4 2016$8.2MM$7.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$363.00K$281.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$123.00K$106.00K
Real Estate OwnedQ4 2017vs Q4 2016$38.00K$21.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Plus4 Credit Union Savings Account Rates

0.50%$100-IRA Savings
0.05%$100-Savings Account
0.05%$100-Business Savings Accounts
0.05%$100-Club Accounts

Plus4 Credit Union Money Market Rates

0.15%$2,500-Money Market Account

Plus4 Credit Union Checking Account Rates

2.51%*-$10kKasasa Cash
OTHER TIERS: 0.26% $10k+

Plus4 Credit Union CD Rates

1.69%$100k-60 Month Jumbo CD
1.60%$50k-60 Month Mini-Jumbo CD
1.49%$1k-60 Month Regular CD
1.40%$100k-30 Month Step-Rate Jumbo CD
1.25%$50k-36 Month Mini-Jumbo CD
1.20%$50k-30 Month Mini-Jumbo CD
1.02%$100k-24 Month Bump Up Jumbo CD
0.99%$50k-30 Month Add On Mini-Jumbo CD
0.94%$50k-24 Month Bump Up Mini-Jumbo CD
0.85%$1k-24 Month Bump Up Regular CD
0.85%$50k-24 Month Add On Mini-Jumbo CD
0.80%$100k-12 Month Bump Up Jumbo CD
0.75%$1k-24 Month Add On Regular CD
0.70%$50k-12 Month Bump Up Mini-Jumbo CD
0.60%$1k-12 Month Bump Up Regular CD

Plus4 Credit Union Locations
Branch Office401 Franklin StHouston, TX 77001-4101
Branch Office9998 Almeda Genoa RdHouston, TX 77075-2416
Branch Office4600 Aldine Bender RdHouston, TX 77032
Branch Office19506 Highway 59 NHumble, TX 77338-4384