Credit union · NCUA insured
4U Credit Union
A $152M credit union headquartered in Gainesville, TX, with 7,349 members and 5 branches in Texas. Best rates: CDs 3.82% and savings 1.01% APY.
4U Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#3 of 10 in Sherman, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 4U Credit Union
Headquartered in Gainesville, Texas, 4U Credit Union was originally chartered in 1956 as NASCOGA (National Supply Company of Gainesville).
The credit union received a community charter in 1998 and rebranded as 4U Credit Union in 2018.
- Headquarters
- 1312 Lawrence St, Gainesville, TX 76240
- NCUA charter
- 11067
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works, lives, attends school, or worships in Cooke or Grayson County.
Family and household
- Membership is open to family and household members of existing 4U members, including spouses, children, parents, siblings, aunts, uncles, grandparents, grandchildren, step-relations, adoptive relations, and household members.
Cost to join
- Establishing membership requires a $25.00 deposit into a Share (Savings) Account (part of a total $26.00 opening deposit).
- Establishing membership requires a one-time $1.00 membership fee.
Branches
5 branches in Texas
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Texas
5 branches
Sherman area · 3
- Collinsville Branch100 E Woodland St, Collinsville, TX 76233Directions
- Sherman1901S Heritage Pkwy, Sherman, TX 75092Directions
- Whitesboro Branch418 N Union St, Whitesboro, TX 76273Directions
Gainesville area · 2
- 4u FcuMain office1312 Lawrence St, Gainesville, TX 76240Directions
- Lake Kiowa Branch100 Kiowa Dr W Apt 104, Lake Kiowa, TX 76240Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.04% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.24% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio8.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.04%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.24%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 4U Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.