1312 Lawrence St
Gainesville, TX 76240
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.66% →
1-Year CD 0.25% 0.67% →
2-Year CD 0.45% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

4u is an NCUA insured institution located in Gainesville, TX. It was founded in 1956 and has approximately $119.44 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 11067
Date Established 1956
Assets $119.44 million
Loans $78.67 million
Deposits $108.99 million
Capital $9.41 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Cooke County or Grayson County.

Deposit Rates - April 14, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - April 14, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 4U

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.763% 2.750% 0.13 $422 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,730 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to 4U
To upload and update your bank's rates please register. It is free to register and add rates.



Below are 4u branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

4u Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 4u. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
4u U.S. Average
2.55% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, 4u had $233,337 in non-current loans and $9,066 in owned assets. To cover these potential losses it had $9,411,959 in net worth and $95,911 in loans loss reserves. That gives it a Texas Ratio of 2.55%.

Net Worth
4u U.S. Average
7.88% 12.67%

4u FCU has a net worth of 7.88% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 4u

Branches and Savings

What is 4u?

A federal credit union, registered with the NCUA under certificate #11067.
Learn more about credit unions here.

Is 4u FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. 4u is insured by the NCUA.

Who can join 4u?

Please see Field of Membership information above for information on who is eligible to join.

What are 4u's share account and share certificate rates?

4u's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 4u?

4u has total capital of $9.41 million. Full information on 4u's financial position is located above.

Who owns 4u?

Credit Unions are owned by their members.

Where are 4u branches located?

See branch locations nearby.

Are 4u ATMs Open 24/7?

Do 4u ATMs accept cash deposits?

Can 4u customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 4u have a mobile app?

Does 4u have mobile deposit?

Does 4u have quick pay?

How can 4u transfer money to other banks or credit unions?

Does 4u report to credit bureaus?

Does 4u use Chexsystems?

Does 4u use Equifax?

What is 4u's toll free phone number?

What is 4u's ACH Routing Number?

What is 4u's SWIFT code?

Where can I find 4u's wire transfer form?

What is the 4u address for deposits?

What Products Does 4u Offer

Does 4u offer mortgages?

Compare mortgage rates here.

Does 4u offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 4u offer auto and RV loans?

Compare auto loan rates here.

Does 4u offer student loans or personal loans?

Compare personal loan rates here.

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