4u Credit Union

Gainesville, Texas
Last verified: August 4, 2026
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Verified rate book

Current 4u Credit Union rates

22 published offers verified as of August 4, 2026.

How we verify rates

Credit card rates

1 offer
4u Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Annual Percentage Rate for Balance Transferscredit_card_balance_transfer10.150% APR10.150%—Standard

Savings & CD rates

19 offers
4u Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Bonus Checking (grandfathered)**savings0.05% APY0.05%—Standard
Savingssavings0.25% APY0.25%—Standard
IRAira0.25% APY0.25%—Standard
$2,000.00 And Upsavings1.00% APY1.00%—Standard
3-Month IRA Certificateira_cd_3mo2.27% APY2.25%3 moStandard
3-Month Certificatecd_3mo2.27% APY2.25%3 moStandard
24-Month Certificatecd_24mo2.53% APY2.50%24 moStandard
36-Month IRA Certificateira_cd_36mo2.53% APY2.50%36 moStandard
24-Month IRA Certificateira_cd_24mo2.53% APY2.50%24 moStandard
36-Month Certificatecd_36mo2.53% APY2.50%36 moStandard
18-Month IRA Certificateira_cd_18mo2.79% APY2.75%18 moStandard
18-Month Certificatecd_18mo2.79% APY2.75%18 moStandard
12-Month IRA Certificateira_cd_12mo3.56% APY3.50%12 moStandard
12-Month Certificatecd_12mo3.56% APY3.50%12 moStandard
9-Month Certificatecd_9mo3.56% APY3.50%9 moStandard
9-Month IRA Certificateira_cd_9mo3.56% APY3.50%9 moStandard
6-Month IRA Certificateira_cd_6mo3.82% APY3.75%6 moStandard
6-Month Certificatecd_6mo3.82% APY3.75%6 moStandard
Kasasa Cash up to $10,000**savings6.00% APY6.00%—Standard

Other rates

2 offers
4u Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Annual Percentage Rate for Purchasesother10.150% %10.150%—Standard
Annual Percentage Rate for Cash Advancesother10.150% %10.150%—Standard

Credit card rates from 10.15% APR. Savings and certificate yields up to 6.00% APY.

Source: RateAPI.dev, verified from 4u Credit Union's official website

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About 4u Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
7.3K
Assets
$152M
Founded
1956
Locations reported
5
NCUA charter
11067
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

CityGainesville · Gainesville · TX · 76240Branch in the same ZIPDATCUGAINESVILLE · Gainesville · TX · 76240Branch in the same ZIPTinkerCross Roads · Cross Roads · TX · 76227About 28.9 miles awayMobility Credit UnionCelina · Celina · TX · 75009About 33.0 miles awayTexoma EducatorsDenison Branch Office · Denison · TX · 75020-3141About 33.6 miles awayCredit Union of TexasLittle Elm High School Branch · Little Elm · TX · 75068-6924About 35.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join 4u Credit Union

Membership eligibility from 4u Credit Union's own published criteria. How we verify this.

Community charter: live/work in Cooke, Grayson

  • LocationCooke, Grayson

Cost to join: About $27 (a $1 membership fee plus a $26 minimum deposit).

Verified from 4u Credit Union's membership page. Final membership determination is always made by the credit union.

Work at 4u Credit Union?

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Frequently Asked Questions

What rates does 4u Credit Union offer?

4u Credit Union currently offers credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are 4u Credit Union rates updated?

RateAPI verifies 4u Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get 4u Credit Union's rate data?

Rate data is collected directly from 4u Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is 4u Credit Union's best CD rate?

As of August 4, 2026, 4u Credit Union offers savings and certificate (CD) yields up to 6.00% APY.

Related Rate Data

Compare 4u Credit Union's rates against national credit-union benchmarks.

More Texas credit unionsCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for 4u Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/4u" \
  -H "Authorization: Bearer YOUR_API_KEY"
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