Credit union · NCUA insured
4U Credit Union Credit Card Rates
4U Credit Union credit cards start at 10.15% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How 4U Credit Union’s credit card rates compare
Compared with banks and credit unions near Sherman, TX, where 4U Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
4U Credit Union
10.15%APR
- Up to
- —
4U Credit Card Visa
2nd-lowest rate
City Credit Union
12.99%APR
- Up to
- —
3rd-lowest rate
Simmons Bank
14.00%APR
- Up to
- 22.00% APR
4U Credit Union credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 4U Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
4U Credit Card Visa
No annual fee. 25 day grace period on purchases. Average daily balance method (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.15% | None | Annual Percentage Rate for Purchases. |
Who can join 4U Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.