Credit union · NCUA insured
4U Credit Union Savings Rates
4U Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market Account. Rates checked October 17, 2026.
How 4U Credit Union’s savings rates compare
Compared with banks and credit unions near Sherman, TX, where 4U Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
4U Credit Union
1.01%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $101
Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Neighborhood Credit Union
2.75%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $275
4U Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.01%
- QualifiedQualified1.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 4U Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.01%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upBalance of $2,000.00 or more required to earn stated rate. Monthly fee waived if balance at or above minimum.$2,000 and up | 1.01% | $101 | Balance of $2,000.00 or more required to earn stated rate. Monthly fee waived if balance at or above minimum. |
Sources (1)
- 4ucu.org/rates-fees · captured Oct 17, 2026
Special-purpose accounts
IRA Share Account
0.25%APY
Available as Traditional IRA and Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$0.01 minimum to obtain the disclosed annual percentage yield (schedule lists no minimum). Dividends compounded and paid quarterly.Over $0 | 0.25% | $25 | $0.01 minimum to obtain the disclosed annual percentage yield (schedule lists no minimum). Dividends compounded and paid quarterly. |
Special Savings Account
0.25%APY
Separate savings account for vacation or Christmas savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$0 deposit required to open; $100 minimum to obtain the disclosed APY.$100 and up | 0.25% | $25 | $0 deposit required to open; $100 minimum to obtain the disclosed APY. |
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.