Plus4 Credit Union is headquartered in Houston and is the 120th largest credit union in the state of Texas. It is also the 1,517th largest credit union in the nation. It was established in 1929 and as of September of 2020, it had grown to 52 employees and 19,490 members at 5 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
A Satisfied Member
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%
Reward checking rate dropped to 2.51% per website. Checked on 12-07-2011.
Customer Fees
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.
FEES FEES FEES
And what do you get - - poor service
AND they charged us $5 to close and leave. Worth it to leave.
DO NOT BANK HERE
DO NOT BANK AT PLUS 4. THEY WILL ROB YOU BLIND.. and ROB YOU MORE
The Wrong Credit Union
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!
Data as of Q3 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61457 |
| Year Chartered | 1929 |
| Employees | 52 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.7% |
| Return on Equity - YTD | -12.74% |
| Annual Interest Income | $4.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2020vs Q3 2019 | $129.6MM$119.0MM |
| Loans | Q3 2020vs Q3 2019 | $96.4MM$93.2MM |
| Deposits | Q3 2020vs Q3 2019 | $121.6MM$109.8MM |
| Equity Capital | Q3 2020vs Q3 2019 | $7.2MM$8.7MM |
| Loan Loss Allowance | Q3 2020vs Q3 2019 | $797.00K$664.00K |
| Unbacked Noncurrent Loans | Q3 2020vs Q3 2019 | $255.00K$300.00K |
| Real Estate Owned | Q3 2020vs Q3 2019 | $0$0 |