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

Introduction

Welcome to 4u, your trusted partner in financial growth and community support, located at 1312 Lawrence St, Gainesville, TX 76240. Established in 1956, we have proudly served over 8,000 members, offering a range of financial products tailored to meet the unique needs of our community. With assets totaling $135,092,119 and total deposits amounting to $4,206,839, we are committed to providing competitive rates and personalized services that help our members thrive. At 4u, we understand that banking isn't just about transactions; it's about building relationships. Our dedicated team of 31 employees, led by CEO Don Wood and Board President Mike Dieter, is here to ensure you receive the best service possible. Whether you're looking for auto loans, mortgages, or business banking solutions, we are prepared to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 1312 Lawrence St, Gainesville, TX 76240. We invite you to explore our website at 4ucu.org for more information on our services and how we can help you achieve your financial goals. Join us at 4u, where your financial well-being is our priority! Feel free to call us at 940-665-1797 or visit us during lobby hours from 9:00 AM to 4:30 PM for assistance. Together, let's build a brighter future!

Branch History & Mission

Embracing Change

As times change, so do we. Our branch has embraced digital advancements, ensuring that members can enjoy convenient online banking options, mobile payments, and more. We also prioritize accessibility by being ADA compliant, making sure everyone can benefit from our services. With an ATM on-site and drive-thru banking available during our operating hours Monday through Friday from 8:00 AM to 6:00 PM for the drive-thru and 9:00 AM to 4:30 PM for lobby services we aim to serve you better every day.

Join Us

We invite you to become part of the 4u family. Experience firsthand how we combine comprehensive financial services with genuine community care. Together, let's build a stronger tomorrow. For more information or to open an account, visit us at https://www.4ucu.org/ or call us at (940) 665-1797 today!

Our Mission

At 4u, our mission is simple yet powerful: to provide personalized financial services while supporting the community we call home. We believe in empowering individuals through education and access to financial resources. From checking and savings accounts to auto loans and mortgages, our services are designed with you in mind. Our commitment goes beyond banking; we actively engage in community outreach initiatives that uplift those around us. Whether it's sponsoring local events or providing financial literacy programs, we strive to make a meaningful impact.

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by and experience the friendly atmosphere at 4U. Whether you're looking for financial advice or simply need assistance with your account, our team is here to help. Visit us today and see how we can support your financial journey!

Convenient Access

Our branch is designed with your convenience in mind. Whether you prefer to visit us in person or take advantage of our drive-thru service, we've got you covered. Our drive-thru is open from 8:00 AM to 6:00 PM on weekdays, allowing for quick transactions without leaving your car. For those who want to come inside, our lobby hours are from 9:00 AM to 4:30 PM, where you can receive personalized service from our dedicated team. Parking is available right outside our branch, ensuring that you can easily find a spot when you come by. Plus, we are fully compliant with ADA standards, featuring ramps and accessible entrances for all members of our community.

Services at Your Fingertips

At 4U, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions that help you manage your finances effectively. Need cash? Our ATM is readily available for withdrawals and balance checks whenever you need it. While members can visit us at 1312 Lawrence St, official correspondence should be sent to the same address as our mailing address remains unchanged. If you have any questions or need assistance, don't hesitate to give us a call at 940-665-1797.

Member Eligibility

At 4u, we believe that everyone deserves a place in our supportive community, and becoming a member is easier than you might think! If you live, work, or worship in the Gainesville area, you're likely eligible to join us. We welcome individuals from various backgrounds, so whether you're just starting out or looking for a financial partner to grow with, there's a spot for you here. Plus, as a member of 4u, you'll enjoy a range of benefits including personalized service and access to exclusive financial products designed to meet your needs. To get started on your journey with us at 4u, simply check out our eligibility criteria by visiting http://www.4ucu.org. Once you're ready, opening an account is just a few clicks away find all the details you need at https://4ucu.originate.fiservapps.com/wgi1laalrxo7uzy. If you have any questions or need assistance, don't hesitate to give us a call at (940) 665-1797. We're excited to welcome you into our family!

Business Banking & Commercial Services

Business Loans That Make a Difference

Imagine being able to expand your operations, purchase new equipment, or hire additional staff with the right financial support. 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.

Practical Merchant Services

In addition to loans, our merchant services make transactions easier for your customers. Whether you're processing payments at a storefront or online, our solutions help streamline your operations. This means you can focus more on what you do best running your business. Located conveniently at 1312 Lawrence St Gainesville Tx 76240 in Gainesville, TX, we're here to assist you with all your business banking needs. Give us a call at (940) 665-1797 or visit us today to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our network includes convenient ATMs where you can easily withdraw cash or check balances without hassle. Plus, with our basic drive-thru banking options available, simple transactions like deposits and withdrawals become quick and easy. At 4u, we're here to help simplify your financial journey and ensure you have access to all the resources needed for success. If you're interested in learning more about any of these services or want assistance in choosing what's right for you, don't hesitate to reach out! Call us at (940) 665-1797, or visit us at our branch location in Gainesville, TX today! Ready to take the next step? Explore our services further by visiting our website or stop by for a friendly chat!

Auto Loans & Vehicle Financing

If you're considering buying a new vehicle, our Auto Loans & Vehicle Financing solutions can help turn your dream into reality. We understand that getting the right financing is crucial, so our team will work with you to find an option that fits your budget and lifestyle.

Business Banking

For entrepreneurs and small business owners, we offer tailored Business Banking solutions, including Merchant Services & Business Loans. Let us help streamline your operations and provide the financial backing needed to grow your business.

Credit Cards with Rewards

Who doesn't love rewards? With our Credit Cards with Rewards, every purchase brings you closer to exciting benefits. Whether it's cash back, travel points, or other perks, using our credit card can enhance your spending power while providing valuable returns.

Mortgage Loans & Refinancing

Are you ready to buy your first home or refinance an existing mortgage? Our competitive Mortgage Loans & Refinancing services are designed to ease the process for you. We'll guide you through each step, making it simpler to secure a loan that aligns with your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services. You can manage your accounts from anywhere at any time check balances, transfer funds, or pay bills all from the comfort of your home or on the go.

Personal Banking

We offer various Personal Banking options, including Checking & Savings Accounts that help you manage your day-to-day finances effectively. Imagine effortlessly keeping track of your expenses while earning interest on your savings our accounts make it possible.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options can provide the relief you need. Picture consolidating high-interest debts into one manageable payment this could free up cash for other priorities in your life.

Digital & Online Banking

Convenient Online Access

With our online banking platform, you can manage your accounts 24/7. Just visit https://www.4ucu.org/ to get started. You can easily check your balance, transfer funds, pay bills, and much more all in real-time. No need to rush to the bank before closing time; you have full control right at your fingertips.

Security First

Your security is our top priority. Our online banking services use advanced security measures to ensure that your personal information stays safe. Whether you're checking your balance or making a payment, rest assured that we have systems in place to protect you. At 4u, we aim to provide an accessible and user-friendly banking experience that fits into your life seamlessly. Join us today and discover how easy managing your finances can be!

Stay Informed with E-Statements

Say goodbye to paper clutter! With e-statements available at Yes, you can receive your account statements electronically. This not only keeps your information organized but also helps protect the environment.

User-Friendly Features

Our mobile application makes banking even easier. With features like mobile payments, you can make purchases directly from your phone. Plus, if you need to send money to friends or family, our person-to-person transfer option lets you do it quickly and securely. We also support electronic signatures for easy document handling no more printing and scanning!

Financial Strength

At 4u, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong foundation, which is reflected in our financial health. With a net worth of $12,363,984, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to your financial well-being is evident through the solid capital foundation represented by our net worth ratio of $915. This ratio ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 is substantial; we currently have $986 in used auto loans and $101,000,135 in total loans and leases to support your financial goals across various sectors. Our operational efficiency is demonstrated by our $0, 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 ready to assist you with a knowledgeable and committed team. In summary, the total share accounts at 12,189 show a strong and growing member base that trusts us with their finances. 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 1312 Lawrence St Gainesville Tx 76240 or call (940) 665-1797 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. We provide flexible financing options to fit your budget, making it easier for you to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $9,343,529 provide the capital needed to grow and expand. Whether you're looking to start a new venture or support existing operations, we are here to help you navigate your financing options.

Flexible Options

If you're considering refinancing your current loans or checking eligibility for any of our products, our team is ready to assist you. We prioritize transparency and ensure that all options are clearly explained so you can make informed decisions. To explore all of our loan offerings further or if you have any questions, feel free to visit us at our branch located at 1312 Lawrence St Gainesville Tx 76240, Gainesville, TX, or give us a call at (940) 665-1797. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together to find the right solution for your financial journey!

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 believe that owning a home should be within reach for everyone, and our competitive rates and straightforward process can help turn your dreams into reality.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $799,304 in loans helping members manage their finances effectively. These cards provide convenience for everyday purchases while allowing you to build your credit score over time.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

4U