4U Federal Credit Union Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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4U Federal Credit Union's 6 month CD rates are at 3.82%, 6 month IRA CD rates are at 3.82%, 12 month CD rates are at 3.56%, 12 month IRA CD rates are at 3.56%, 9 month CD rates are at 3.56%. 4U Federal Credit Union's savings rates are at 0.25%. 4U Federal Credit Union's money market rates are at 1.01%. 4U Federal Credit Union's Personal Loan Rates are at 10.65%. MonitorBankRates evaluates the financial stability of 4U Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Rates were last updated on 03/02/2026.
4U Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at 4U Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . 4U Federal Credit Union Texas Ratio4U Federal Credit Union's Texas Ratio is at 0.99%, which is considered excellent. The Texas Ratio for 4U Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that 4U Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
4U Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Overall, 4U Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
4U Federal Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
4U Federal Credit Union CD Rates
4U Federal Credit Union Savings Rates
4U Federal Credit Union Money Market Rates
4U Federal Credit Union Checking Rates
4U Federal Credit Union Auto Loan Rates
4U Federal Credit Union Credit Card Rates
4U Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for 4U Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather 4U Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 4U Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: 4U Federal Credit Union
Website: https://www.4ucu.org
Full Time Employees: 33Part Time Employees: 0 President: Mike Dieter CEO: Don Wood Branch Locations: 6 ATM Locations: 4 Corporate Office Address:
1312 Lawrence St
Gainesville, TX 76240 Phone Number: 940-665-1797 Fax Number: 940-665-7953 FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.99%
Return on Assets (ROA):
0.6321%
Return on Equity (ROE):
6.7540%
Non-Performing Loans Ratio (NPL):
0.12%
Total Assets:
144,547,211
Total Amount of Shares and Deposits:
129,603,065
Total Shares and Deposits < 1 Year:
128,086,819
Total Shares and Deposits 1 3 Years:
1,516,246
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
13,267,861
Total Uninsured Shares and Deposits > $250K (F+J):
13,267,861
Total Insured Shares and Deposits > $250K (item 17 less item K):
116,335,204
Total Interest Expense (Sum of items 6 8):
1,517,891
Share Certificates:
719
Number of Accounts for Share Drafts:
4,539
IRA KEOGH Accounts:
175
Number of Accounts for Regular Shares:
7,383
Money Market Shares:
85
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
8,917,548
Total Liabilities:
131,037,076
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Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About 4U Federal Credit UnionIs a member application needed to join 4U Federal Credit Union?Yes, to access services at 4U Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, 4U Federal Credit Union provides a range of mortgage and home equity products. Is 4U Federal Credit Union a safe place to deposit money?Yes, 4U Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does 4U Federal Credit Union offer online and mobile banking?Most modern institutions like 4U Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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