4u Collinsville TX Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to 4U, your trusted partner in financial success, located at 100 E Woodland St, Collinsville, TX 76233. Since our establishment in 1956, we have proudly served our community, growing into a credit union that members can count on for personalized banking solutions. With a total membership of 8,047 and assets exceeding $135 million, we are dedicated to providing exceptional service tailored to your unique needs. At 4U, we understand that financial decisions are significant moments in your life. That's why we offer a wide array of services, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our commitment to you goes beyond just numbers; it's about building lasting relationships and supporting our members' aspirations. While you can visit us at our physical branch for all your banking needs, please note that any official correspondence should be sent to our mailing address at 1312 Lawrence St, Gainesville, TX 76240. Our friendly team is here to assist you during business hours Monday through Friday from 9:00 AM to 4:30 PM in the lobby, and until 6:00 PM at the drive-thru. We also welcome you on Saturdays from 9:00 AM to 12:00 PM. Led by our CEO, Don Wood, and Board President, Mike Dieter, our dedicated team of 31 employees is committed to ensuring that your experience with us is seamless and rewarding. With a net worth of $12,363,984 and cash reserves of $1,736,753, we are well-equipped to meet your financial needs while prioritizing your security and satisfaction. Explore how we can help you reach your financial goals today! Whether you're looking for a new loan or simply want advice on managing your finances better, don't hesitate to give us a call at 903-357-5007 or visit our website at 4ucu.org. We look forward to serving you!

Branch History & Mission

Welcome to 4U, your trusted financial partner in Collinsville, TX. Since our doors opened in 1956, we have been dedicated to serving the community with exceptional banking solutions and a commitment to member satisfaction. Located at 100 E Woodland St, our branch has grown alongside the vibrant city of Collinsville, making a positive impact on the lives of our members. Over the years, we've expanded our offerings to meet the evolving needs of our community. Today, we proudly serve over 8,000 members and manage total assets of approximately $135 million. Our mission is straightforward: to provide affordable financial services while fostering strong community ties. We believe that when our members thrive, so does our community. At 4U, we understand that everyone has unique financial needs. That's why we offer a variety of services ranging from personal banking like checking and savings accounts to auto loans and business financing options. Our drive-thru service allows for convenient transactions without leaving your vehicle, while our ATM availability ensures that you have access to your funds whenever you need them. While members can visit us at 100 E Woodland St Collinsville Tx 76233, official correspondence should be sent to 1312 Lawrence St, Gainesville, TX 76240. This dual address reflects our commitment to accessibility and convenience for all. Our mission goes beyond just offering financial products; it's about empowering individuals and families in Collinsville through education and support. We actively engage in community outreach efforts and form partnerships with local organizations to promote financial literacy and well-being. As we move forward into an increasingly digital world, we're proud to offer online banking solutions that allow you to manage your finances anytime, anywhere. With features like mobile payments and e-statements, we strive to make banking easier while ensuring compliance with ADA standards for all our members. We invite you to join the 4U family and experience the difference that a member-focused credit union can make in your life. Whether you're looking for loans, savings options, or simply want a place where everyone knows your name, we're here for you. Reach out today at 903-357-5007 or visit us at 4ucu.org to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Get in Touch

Have questions or want to learn more about how we can assist you? Feel free to give us a call at 903-357-5007. Whether you're stopping by for a transaction or just looking for information, our friendly staff is ready to help. While members can visit us at 100 E Woodland St Collinsville Tx 76233, official correspondence should be sent to 1312 Lawrence St, Gainesville, TX 76240 if it's different from our branch address. We look forward to seeing you soon at the Collinsville Branch of 4U!

Operating Hours

We're here when you need us! Our lobby hours are Monday through Friday from 9:00 AM to 4:30 PM, while our drive-thru service operates from 8:00 AM to 6:00 PM on weekdays. We also welcome you on Saturdays from 9:00 AM to 12:00 PM for those who can't make it during the week.

Our Services and Accessibility

At 4U, we take pride in making banking accessible for everyone. Our branch features ADA-compliant facilities, ensuring that all members can navigate our space comfortably. Parking is available right outside our door for your convenience, making it easy to stop in for quick transactions or longer consultations. We offer a variety of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. If you prefer to handle transactions on the go, our online and mobile banking services allow you to manage your finances anytime. Plus, we have an ATM available for quick cash withdrawals and balance checks.

Member Eligibility

At 4u, we believe that everyone deserves a supportive financial community, and becoming a member is as easy as making a friendly connection! If you live, work, worship, or attend school in the area around 100 E Woodland St Collinsville Tx 76233, you're likely eligible to join us. We welcome individuals and families who are looking for personalized banking solutions tailored to their needs. The benefits of membership include access to competitive rates on loans and savings, along with a variety of services designed just for you. For more detailed information on eligibility criteria, feel free to check out our website at http://www.4ucu.org. Opening an account is a simple process that can be done online or by visiting us in person. If you're ready to take the next step toward joining our community, just head over to our account opening page at https://4ucu.originate.fiservapps.com/wgi1laalrxo7uzy or give us a call at (903) 357-5007. We're excited to welcome you into the 4u family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $97 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $9,343,529, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine a busy Saturday at your local cafe. Customers are lining up for their morning coffee, but they want to pay quickly and easily. That's where our merchant services come in. We provide reliable payment processing solutions that help you serve your customers seamlessly. Accepting credit cards or mobile payments can boost sales and enhance customer satisfaction, allowing you to focus on what you do best running your business. Explore how our tailored banking solutions can support your journey today at 100 E Woodland St Collinsville Tx 76233 or call us at (903) 357-5007!

Comprehensive List Of Services

ATM and Drive-Thru Access

If you prefer face-to-face interactions for basic transactions, our drive-thru service allows for quick deposits and withdrawals without leaving your car. For cash access on-the-go, take advantage of our ATM services that let you withdraw cash or check balances conveniently. At 4u, we believe in building lasting relationships with our members through quality service and accessible financial solutions. If you're ready to explore how we can assist you in achieving your financial goals, don't hesitate to reach out! Call us at (903) 357-5007 or visit us at 100 E Woodland St Collinsville Tx 76233. Your journey toward better banking starts here!

Business Banking Services

For entrepreneurs and small business owners, 4u provides essential business banking services including merchant services and business loans. We understand that managing a business can be challenging, which is why we offer tools and resources that make banking easier and more efficient.

Credit Card Rewards

Don't forget about our credit cards that come with rewards! These cards not only offer convenience but also allow you to earn points on your everyday purchases. Imagine using your card for groceries or gas and watching those points add up towards exciting rewards.

Digital Banking Features

In today's world, convenience is key. That's why we offer robust online and mobile banking features. You can easily check your balance, transfer funds, pay bills, or even send money to friends through person-to-person payments all from your smartphone or computer. Our digital services ensure that you can manage your finances anytime, anywhere.

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts that cater to different lifestyles and financial goals. If you're planning to buy a car, our auto loans and vehicle financing options can help you get on the road quickly without breaking the bank. For those considering homeownership or refinancing an existing mortgage, we provide competitive mortgage loans designed to fit your budget. Additionally, our personal loans can assist with debt consolidation or unexpected expenses, giving you peace of mind when it matters most.

Digital & Online Banking

Accessing Your Accounts

With our online banking platform, available at https://www.4ucu.org/, you have the power to monitor your finances right at your fingertips. Enjoy 24/7 access to your accounts where you can check balances, view transactions, and even pay bills all with a few clicks. If you're looking for even more convenience, our mobile application allows you to manage your money from your smartphone or tablet.

Key Features for You

We know that safety is a top priority when it comes to online banking. That's why we offer electronic signature authorization Yes for secure transactions and document signing right from your device. Plus, you can sign up for e-statements Yes, allowing you to receive important account information quickly without the clutter of paper statements. Our mobile payments feature Yes lets you make purchases directly from your phone, so you can leave your wallet behind when you're out and about. Need to send money to a friend? Our person-to-person transfer service Yes makes it simple and fast.

Real-Time Management

Managing your finances in real-time has never been easier. With features like instant notifications for account activity and the ability to transfer funds between accounts on-the-go, you'll always be in control of your financial journey. At 4u, we are committed to providing user-friendly services that keep you connected to your money while ensuring maximum security. Experience the ease of digital banking today!

Financial Strength

Commitment to Innovation

With $12,017,977 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $986 in used auto loans and $101,000,135 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 12,189, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 4u is your trusted partner. Visit us at 100 E Woodland St Collinsville Tx 76233 or call (903) 357-5007 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 31 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $32,052,922 in share certificates and $3,936,707 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $12,363,984, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $915 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,258,590 in used vehicle loans and $19,479,089 in new vehicle loans already helping members get on the road. Our financing options are designed to fit your budget and lifestyle, making it easier than ever to drive away in the vehicle you want.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $974,189, make buying or refinancing simple. We aim to provide competitive rates and terms that suit your needs, so you can feel confident taking this important step toward owning your own home.

Personal Financing Options

In addition to our auto and mortgage loans, we also provide unsecured credit card loans totaling $799,304. These flexible terms help members manage their finances effectively while providing easy access to credit for unexpected expenses or purchases. For those considering business opportunities, our outstanding commercial loans totaling $9,343,529 can provide the capital needed to grow and expand. We believe in supporting our local businesses as they contribute to the community.

Refinancing Opportunities

If you're currently paying high-interest rates on existing loans or mortgages, don't hesitate to ask us about refinancing options. We can help you explore eligibility criteria and find solutions that could save you money over time. Our branch is located at 100 E Woodland St Collinsville Tx 76233, Collinsville, TX. For more information about our loan offerings or to discuss which option might be best for you, please call us at (903) 357-5007. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to assist you every step of the way toward achieving your financial dreams!

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4U