Featured Savings Rates
Featured Accounts

Plus4 Credit Union

Popular Accounts at this Credit Union

2.51%Reward CheckingReward Checking
2.00%5-year CD60 Month Regular CD
0.70%1-year CD12 Month Mini-Jumbo 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 1,461st largest credit union in the nation. It was established in 1929 and as of June of 2016, it had grown to 48 employees and 17,549 members at 4 locations. Plus4 Credit Union has an A 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 (5)

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.



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 - YTD0.16%
Return on Equity - YTD2.43%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$112.0MM$107.1MM
LoansQ2 2016vs Q2 2015$93.9MM$85.3MM
DepositsQ2 2016vs Q2 2015$104.2MM$99.0MM
Equity CapitalQ2 2016vs Q2 2015$7.3MM$7.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$199.00K$364.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$61.00K$41.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Always verify rates and promotions with the bank or credit union. We are not Plus4 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.

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%*-$10kReward Checking
OTHER TIERS: 0.26% $10k+

Plus4 Credit Union CD Rates

2.40%$100k-60 Month Jumbo CD
2.20%$50k-60 Month Mini-Jumbo CD
2.00%$1k-60 Month Regular CD
1.35%$1k-36 Month Regular CD
1.35%$50k-36 Month Mini-Jumbo CD
1.20%$1k-30 Month Regular CD
1.20%$50k-30 Month Mini-Jumbo CD
1.12%$100k-24 Month Jumbo CD
0.95%$1k-24 Month Regular CD
0.95%$50k-24 Month Mini-Jumbo CD
0.90%$100k-12 Month Jumbo CD
0.70%$1k-12 Month Regular CD
0.70%$50k-12 Month Mini-Jumbo 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