Plus4 Credit Union

Overview / Commentary
9998 Almeda Genoa Rd
Houston, TX 77075-2416

Plus4 Credit Union is headquartered in Houston and is the 101st largest credit union in the state of Texas. It is also the 1,254th largest credit union in the nation. It was established in 1929 and as of September of 2022, it had grown to 82 employees and 32,647 members at 6 locations. Plus4 Credit Union's CD rates are 39% higher than the national average, and it 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 Plus4 Credit Union branch.
See current membership details

Reviews (7)

A Satisfied Member

Posted by: |

I have been a member since 2008. Because of my job I travel a great deal. I do all of my banking electronically. The credit union has been very responsive in providing multiple car loans. I am not a big saver. However, the little that I have is earning interest competitively. Thank you Plus4.

Rate Dropped To 2.51%

Posted by: |

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

Customer Fees

Posted by: |

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: |

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: |

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 - YTD0.75%
Return on Equity - YTD7.9%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$199.8MM$203.6MM
LoansQ3 2022vs Q3 2021$145.2MM$150.6MM
DepositsQ3 2022vs Q3 2021$177.3MM$183.7MM
Equity CapitalQ3 2022vs Q3 2021$19.1MM$18.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$820.00K$781.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.5MM$621.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0
Report an Issue

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
0.20%*-$10kKasasa Saver
OTHER TIERS: 0.10% $10k+
0.05%$100-Savings Account
0.05%$100-Business Savings Accounts
0.05%$100-Christmas Club
0.05%$100-Vacation Club

Plus4 Credit Union Money Market Rates

0.15%$2.5k-Money Market Account

Plus4 Credit Union Checking Account Rates

1.10%*-$10kKasasa Cash
OTHER TIERS: 0.10% $10k+

Plus4 Credit Union CD Rates

2.10%$1k-60 Month Regular CD
1.95%$1k-48 Month Regular CD
1.75%$1k-36 Month Regular CD
1.60%$1k-24 Month Regular CD
1.25%$1k-12 Month Regular CD
1.25%$1k-18 Month Regular CD
0.75%$1k-6 Month Regular CD

Plus4 Credit Union Locations
Branch Office9998 Almeda Genoa RdHouston, TX 77075-2416
Branch Office19506 Highway 59 NHumble, TX 77338-4384
Branch Office9166 FM 2920 RdTomball, TX 77375-8970
Branch Office611 Walker St 1st FloorHouston, TX 77002
Branch Office6500 Rookin St STE 109Houston, TX 77074-5020
Branch Office608 E Tidwell RdHouston, TX 77022

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.