4u Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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4u Federal Credit Union's 12-Month CD certificate rates are at 4.06%, 18-Month CD certificate rates are at 3.35%, 36-Month CD certificate rates are at 3.29%, 24-Month CD certificate rates are at 3.29%. 4u Federal Credit Union's savings rates are at 0.40%. 4u Federal Credit Union's money market rates are at 1.11%. 4u Federal Credit Union's Personal Loan Rates are at 10.65. 4u Federal Credit Union's Credit Card Rates are at 10.15.

4u Federal Credit Union

Compare 4u Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of 4u Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or other rates available. Have you opened an account or have any experiences at 4u Federal Credit Union? Share your experience about 4u Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 4u Federal Credit Union.

Overall, 4u Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.06%
18-Month CD
3.35%
24-Month CD
3.29%
36-Month CD
3.29%
48-Month CD
N/A
60-Month CD
N/A
Savings
0.40%
MMA
1.11%
30-Year Fixed
N/A
Credit Card
10.15%
Personal Loan
10.65%
4u Federal Credit Union
4U FCU
1312 Lawrence St
Gainesville, TX 76240
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare 4u Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
4u Federal Credit Union
4u Federal Credit Union
Kasasa Cash Checking <-$10K
6.00%
$0
FinWise Bank
FinWise Bank
15-Month CD Special
5.50%
$500
USAA Federal Savings Bank
USAA Federal Savings Bank
6-Month CD
5.05%
$1,000
S&T Bank
S&T Bank
6-Month CD
5.00%
$500
Evergreen Bank Group
Evergreen Bank Group
12-Month CD
4.75%
$500
La Salle State Bank
La Salle State Bank
15-Month CD special
4.61%
$10,000
First Federal S&L of McMinnville
First Federal S&L of McMinnville
18-Month CD
4.46%
$500
4u Federal Credit Union
4u Federal Credit Union
12-Month CD certificate
4.06%
$1,000
Seasons Federal Credit Union
Seasons Federal Credit Union
24-Month CD certificate
4.00%
$1,000
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
18-Month CD
3.96%
$1,000
Rolette State Bank
Rolette State Bank
60-Month CD
3.84%
$500
Port Richmond Savings
Port Richmond Savings
48-Month CD
3.56%
$500
Androscoggin Savings Bank
Androscoggin Savings Bank
36-Month CD
3.56%
$500
4u Federal Credit Union
4u Federal Credit Union
18-Month CD certificate
3.35%
$1,000
4u Federal Credit Union
4u Federal Credit Union
24-Month CD certificate
3.29%
$1,000
4u Federal Credit Union
4u Federal Credit Union
36-Month CD certificate
3.29%
$1,000
Gogebic Range Bank
Gogebic Range Bank
48-Month CD
3.03%
$500
Adrian Bank
Adrian Bank
24-Month CD
3.02%
$1,000
Iron Workers SB
Iron Workers SB
48-Month CD
3.00%
$500
Mercer County State Bank
36-Month CD IRA
3.00%
$50
Farmers National Bank
Farmers National Bank
6-Month CD
2.80%
$10,000
First National B&T Co. of Bottineau
First National B&T Co. of Bottineau
3-Month CD
2.78%
$500
State Central Bank
State Central Bank
48-Month CD
2.77%
$10,000
FNB Community Bank
FNB Community Bank
48-Month CD
2.57%
$1,000
WMB Wilson & Muir B&T Co.
WMB Wilson & Muir B&T Co.
12-Month CD
2.53%
$1,000
Metropolitan Bank and Trust Company
Metropolitan Bank and Trust Company
3-Month CD
2.52%
$1,000
Benchmark Community Bank
Benchmark Community Bank
48-Month CD
2.30%
$500
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
Money Market Diamond MMDA
2.25%
$1,000,000
Bank of Star Valley
Bank of Star Valley
48-Month CD
2.12%
$250
Tipton Latham Bank
Tipton Latham Bank
18-Month CD
2.00%
$500
North Shore Trust and Savings
North Shore Trust and Savings
48-Month CD
1.46%
$1,000
Badger Bank
Badger Bank
36-Month CD
1.46%
$1,000
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
18-Month CD
1.41%
$500
Haddon Savings Bank
Haddon Savings Bank
Money Market
1.20%
$10,000
First State Bank Nebraska
First State Bank Nebraska
18-Month CD
1.20%
$5,000
4u Federal Credit Union
4u Federal Credit Union
Money Market
1.11%
$2,000
West Plains S&L
West Plains S&L
12-Month CD
1.10%
$1,000
A H E Plant 3 Federal Credit Union
A H E Plant 3 Federal Credit Union
9-Month CD certificate
1.10%
$500
Bank of Easton
Bank of Easton
36-Month CD
1.04%
$500
First Security Bank of Deer Lodge
First Security Bank of Deer Lodge
Regular Savings Account
1.00%
$50
First Bank Hampton
First Bank Hampton
Moneybuilder Savings Account
1.00%
$0
German American Bank
German American Bank
60-Month CD
1.00%
$1,000
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
12-Month CD
1.00%
$500
Mifflinburg B&T CO.
Mifflinburg B&T CO.
36-Month CD
0.75%
$5,000
DB&T
DB&T
48-Month CD
0.60%
$1,000
Kennebunk Savings Bank
Kennebunk Savings Bank
60-Month CD
0.50%
$500
4u Federal Credit Union
4u Federal Credit Union
Share Savings
0.40%
$100
USB Union Savings Bank
USB Union Savings Bank
24-Month CD
0.40%
$1,000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
24-Month CD
0.40%
$500
Horicon Bank
Horicon Bank
Statement Savings Account
0.30%
$250
Garden Plain State Bank
Garden Plain State Bank
NOW Account
0.25%
$1,500
Chelsea Groton Bank
Chelsea Groton Bank
24-Month CD
0.20%
$500
FNB in Taylorville
FNB in Taylorville
NOW Checking
0.20%
$500
First Federal S&L of Lorain
First Federal S&L of Lorain
18-Month CD
0.15%
$250
Primary Bank
Primary Bank
Primary Money Market
0.10%
$1,000
Chelsea Groton Bank
Chelsea Groton Bank
6-Month CD
0.05%
$500
Lowell Five SB
Lowell Five SB
Premier Money Market
0.05%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare 4u Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Teachers Federal Credit Union
Teachers Federal Credit Union
5/6 ARM
6.500%
7.620%
0.500
Hiway Credit Union
Hiway Credit Union
30 Year Fixed Jumbo
7.500%
7.559%
0.000
Morton Lane Federal Credit Union
Morton Lane Federal Credit Union
15 Year Fixed
6.750%
6.994%
0.000
Teachers Federal Credit Union
Teachers Federal Credit Union
15-Year Fixed Jumbo
6.625%
6.640%
0.500
Security Service Federal Credit Union
Security Service Federal Credit Union
15-Year Power Rate Fixed
5.974%
5.750%
0.000
Academic Federal Credit Union
Academic Federal Credit Union
30-Year Fixed
6.625%
6.772%
0.000
Crest Savings Bank
Crest Savings Bank
15-Year Fixed
6.625%
6.942%
0.000
Crest Savings Bank
Crest Savings Bank
10-Year Fixed
6.500%
6.943%
0.000
Pittsford Federal Credit Union
Pittsford Federal Credit Union
30 Year Fixed
7.000%
7.092%
0.000
Partners Federal Credit Union
Partners Federal Credit Union
30 Year Fixed
7.000%
7.111%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
20-Year Fixed
6.125%
6.248%
0.500
Truliant Federal Credit Union
Truliant Federal Credit Union
30-Year Fixed
6.750%
6.932%
0.375
Crest Savings Bank
Crest Savings Bank
30-Year Fixed
7.000%
7.199%
0.000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
30-Year Fixed
6.375%
6.435%
0.000
Service Federal Credit Union
Service Federal Credit Union
5/1 ARM
6.000%
7.041%
0.000
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union
20 Year Fixed
6.750%
6.835%
0.000
Crest Savings Bank
Crest Savings Bank
5/1 Adjustable
6.625%
7.617%
0.000
Highpoint Community Bank
Highpoint Community Bank
7/1 ARM
6.375%
6.554%
0.000
Security Service Federal Credit Union
Security Service Federal Credit Union
10-Year Power Rate Fixed
5.954%
5.625%
0.000
Spire Credit Union
Spire Credit Union
15 Year Fixed
6.625%
6.872%
0.000
Greenfield Co-operative Bank
Greenfield Co-operative Bank
15-Year Fixed
6.375%
6.864%
2.000
Colonial Federal Savings Bank
Colonial Federal Savings Bank
5/1 ARM
6.750%
8.450%
0.000
First Community Credit Union
First Community Credit Union
5/5 ARM
5.950%
5.998%
0.000
First Technology Federal Credit Union
First Technology Federal Credit Union
30 Year Fixed
7.000%
7.007%
0.125
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
15-Year Fixed
6.250%
6.496%
0.375
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare 4u Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
4u Federal Credit Union
4u Federal Credit Union
Credit Card
10.150%
Achieva Credit Union
Achieva Credit Union
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Rewards Credit Card
14.240%
University First Federal Credit Union
University First Federal Credit Union
Visa Student Rewards Card
17.990%
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum without Rewards
7.900%
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Aac Credit Union
Aac Credit Union
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier Plus
8.900%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
ACFCU
ACFCU
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Rewards
15.740% - 17.990%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
University First Federal Credit Union
University First Federal Credit Union
Visa Crimson Rewards Card
13.740%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
1st Midamerica Credit Union
1st Midamerica Credit Union
Platinum
8.900%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare 4u Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
4u Federal Credit Union
4u Federal Credit Union
Personal Loan
10.650%
$0
1st Ed Credit Union
1st Ed Credit Union
Personal/Signature Loans
10.990%
$0 - $10,000
60 - 60
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.700%
$8,000
60 - 60
1st United Credit Union
1st United Credit Union
Personal Loan
10.890%
$0
60
ACFCU
ACFCU
Personal Loans
13.450%
$0
60
1st Northern California Credit Union
1st Northern California Credit Union
1st Line of Credit
9.900%
$0
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.740%
$5,000
60 - 60
Alec Federal Credit Unon Federal Credit Union
Alec Federal Credit Unon Federal Credit Union
New Signature Loans
8.990%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
Aaec Credit Union
Aaec Credit Union
Bill Consolidation Loan
8.990%
$0
60
Achieve Financial Credit Union
Achieve Financial Credit Union
Unsecured/Personal Loans
8.990%
$0
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
9.250%
$0
1 - 24
Academic Employees Credit Union
Academic Employees Credit Union
Preferred Personal Loan
10.000%
$0
60
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
Hughes Federal Credit Union
Hughes Federal Credit Union
Summer/Holiday Loans
9.500%
$0
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
8.490%
$0
36 - 36
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.140%
$1,500 - $15,000
36 - 36
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
Abco Federal Credit Union
Abco Federal Credit Union
Vacation Loans
10.490%
$0
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
9.990% - 16.240%
$0
61 - 66
InFirst Bank
InFirst Bank
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
Randolph Brooks FCU
Randolph Brooks FCU
Personal Line of Credit
12.950% - 18.000%
$0
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
14.850%
$0
37 - 60
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

4u Federal Credit Union Information

Credit Union Name: 4u Federal Credit Union
Full Time Employees: 32
Part Time Employees: 0
President: Mike Dieter
CEO: Don Wood
Branch Locations: 5
ATM Locations: 3
Corporate Office Address:
1312 Lawrence St
Gainesville, TX 76240
Phone Number: 940-665-1797
Fax Number: 940-665-7953

4u Federal Credit Union Financials

Total Assets:
128,349,107
Total Amount of Shares and Deposits:
114,879,473
Total Shares and Deposits < 1 Year:
110,842,930
Total Shares and Deposits 1 3 Years:
4,036,543
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
14,319,873
Total Uninsured Shares and Deposits > $250K (F+J):
14,319,873
Total Insured Shares and Deposits > $250K (item 17 less item K):
100,559,600
Total Interest Expense (Sum of items 6 8):
657,937
Share Certificates:
431
Number of Accounts for Share Drafts:
4,181
IRA KEOGH Accounts:
161
Number of Accounts for Regular Shares:
7,090
Money Market Shares:
91
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,669,721
Total Liabilities:
116,527,796
Show More

4u Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
No
Approved Mortgage Seller?:
No
Deposits and Shares Meeting 70310(a):
1
Brokered Certificates of Deposits:
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
Yes
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA

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4u Federal Credit Union Reviews

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