4u Lake Kiowa TX Credit Union | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to 4U, your trusted partner in financial growth and community support. Located at 100 Kiowa Dr W Apt 104, Lake Kiowa, TX 76240, our branch has been serving members since 1956. With a strong commitment to our community, we proudly support over 8,000 members, helping them achieve their financial dreams. At 4U, we understand that every member's needs are unique. Whether you're looking for personal banking solutions like checking and savings accounts or financing options for auto loans and mortgages, we've got you covered. Our total assets exceed $135 million, reflecting our stability and reliability as a credit union. We have also successfully granted over 3,500 loans to our members, totaling more than $3.5 million in loans and leases. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 1312 Lawrence St, Gainesville, TX 76240. Under the leadership of CEO Don Wood and Board President Mike Dieter, we are dedicated to providing exceptional service and support. With a net worth of over $12 million and total deposits amounting to $4.2 million, we ensure that your funds are secure and well-managed. We invite you to explore our wide range of services designed for both individuals and businesses. From online banking options to personalized loan solutions, our team is here to assist you every step of the way. If you have any questions or need assistance, feel free to reach out at 940-665-1797. Come visit us today or check out our website at 4ucu.org for more information on how we can help you achieve your financial goals!

Branch History & Mission

A Legacy of Community Support

From the start, our mission has been clear: to empower our members and strengthen our community through exceptional financial services. Over the years, we've not only increased our total assets to an impressive $135,092,119 but also expanded the range of services we offer. Our commitment is evident in everything we do from personal banking solutions like checking and savings accounts to auto loans and mortgages.

Community Outreach

Partnerships are key to building a strong community. We actively engage in outreach efforts that support local initiatives and foster growth within Lake Kiowa and surrounding areas. Our goal is not just to be a financial institution but a cornerstone of the community where everyone feels welcome and valued. We invite you to join us at 4U! Experience firsthand how we prioritize your needs while making a difference in the lives of others. For more information or to open an account today, visit us online or call us at 940-665-1797. Let's build a brighter future together!

Embracing Innovation

As part of our commitment to serve you better, we've embraced technology that makes banking more accessible than ever. From online banking and mobile payments to e-statements and electronic signatures, we're dedicated to ensuring that your banking experience is both modern and secure.

Our Mission

The mission of 4U goes beyond just offering great financial products. We strive to create lasting relationships with our members by supporting their financial goals and contributing positively to the community around us. We believe that when our members succeed, so does the entire community. This vision drives us daily as we provide personalized services tailored to meet individual needs. Our drive-thru service ensures convenience for those on the go, while our lobby hours from Monday to Friday (9:00 AM - 4:30 PM) and Saturday (9:00 AM - 12:00 PM) make it easy for you to get assistance when you need it.

Branch Location & Accessibility

Convenient Access and Parking

At 4U, we prioritize accessibility for everyone. Our location features ample parking, making it easy for you to visit us without any hassle. If you have specific mobility needs, rest assured that our branch is ADA compliant, ensuring a smooth experience for all our members.

Get in Touch

Have questions? We're just a phone call away at (940) 665-1797. Our friendly staff is eager to assist you with any inquiries or banking needs you may have. We invite you to visit us soon and experience the personalized service that sets us apart! We look forward to welcoming you at the Lake Kiowa Branch of 4U!

Operating Hours Designed for You

We understand that your time is valuable. That's why our lobby hours are designed with your schedule in mind: we're open Monday through Friday from 9:00 AM to 4:30 PM, and on Saturdays from 9:00 AM to 12:00 PM. For those who prefer drive-thru services, we're here for you Monday through Friday from 8:00 AM to 6:00 PM.

Services Tailored for Your Needs

At 4U, we offer a range of banking services tailored just for you. From checking and savings accounts to auto loans and mortgage options, we strive to meet your financial needs efficiently. Our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle. While our physical address is at 100 Kiowa Dr W Apt 104 Lake Kiowa Tx 76240, please note that if you need to send official correspondence, it should go to our mailing address at 1312 Lawrence St, Gainesville, TX 76240.

Member Eligibility

Joining the 4u family is like stepping into a warm and welcoming community where your financial needs are prioritized. To become a member, you simply need to meet a few friendly eligibility criteria. If you live, work, or worship in the Lake Kiowa area or have an immediate family member who does, you're already on your way! We believe that everyone deserves access to financial services that help them thrive, which is why our membership is designed to be inclusive and supportive. You can find more details about eligibility on our website at http://www.4ucu.org. Opening an account with us is straightforward and convenient. Just visit us at 100 Kiowa Dr W Apt 104 Lake Kiowa Tx 76240, or give us a call at (940) 665-1797 for assistance. Our team is here to help you every step of the way! If you're ready to start your journey with us, check out the account opening details at https://4ucu.originate.fiservapps.com/wgi1laalrxo7uzy. At 4u, we can't wait to welcome you as a valued member!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your operations smoothly while accepting payments easily. Our merchant services help you do just that. From credit card processing to online payment solutions, we make it easy for you to serve your customers efficiently. These tools not only enhance customer satisfaction but also streamline your day-to-day operations, allowing you to focus on what matters most growing your business. Located conveniently at 100 Kiowa Dr W Apt 104 Lake Kiowa Tx 76240, Lake Kiowa, TX, we're here to partner with you on your path to success. Reach out today at (940) 665-1797 and discover how 4u can empower your business!

Tailored 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.

Comprehensive List Of Services

Business Banking Assistance

For entrepreneurs and small business owners, we offer comprehensive Business Banking services including merchant services and business loans. We know how hard you've worked to build your business; let us support your growth with financial solutions tailored just for you.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms allow you to manage your finances anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even make person-to-person payments with just a few taps on your phone.

Drive-Thru Services for Quick Transactions

Need to make a quick deposit or withdrawal? Our basic Drive-Thru Banking service is perfect for those on the go. With hours from Monday through Friday 8:00 AM - 6:00 PM and Saturday 9:00 AM - 12:00 PM, we ensure that banking fits into your busy schedule. At 4u, we're more than just a credit union; we're your partners in achieving financial success. If you'd like to learn more about any of our services or open an account today, don't hesitate to reach out! Call us at (940) 665-1797 or visit our website at Lake Kiowa Branch. We're here to help you every step of the way!

Flexible Personal Loans

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's for medical bills, home repairs, or consolidating debt, we provide solutions that fit your budget and financial goals.

Home Ownership Support

Dreaming of home ownership? Our Mortgage Loans & Refinancing options are designed to guide you through the home-buying journey or help you save on your current mortgage. Our knowledgeable staff is ready to answer questions and assist you every step of the way.

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer various Personal Banking options, including checking and savings accounts designed to fit your lifestyle. Imagine having an account that not only helps you save but also rewards you for spending wisely. With our Credit Cards with Rewards, every purchase can bring you closer to exciting perks and benefits.

Vehicle Financing Made Easy

If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing services make the process simple and affordable. We offer competitive rates and flexible terms, so whether you're buying a new car or refinancing an existing loan, we can help you drive away happy.

Digital & Online Banking

Convenience and Accessibility

Enjoy the benefits of e-statements, which allow you to receive your account statements electronically saving paper and keeping your records organized. Our mobile payments feature lets you pay for purchases directly from your smartphone, adding another layer of convenience to your daily transactions. Need to send money to a friend? Our person-to-person transfers make it simple and fast. With these tools at hand, managing your money has never been more straightforward. With 24/7 online banking services, you have real-time access to your accounts whenever you need it. This means no more waiting for bank hours; you can manage your finances at your convenience. At 4u, we're committed to providing a banking experience that is not only easy but also secure. Explore our digital offerings today and discover how we can help simplify your financial life!

Key Features

With our online banking platform available at https://www.4ucu.org/, you can handle all your banking needs without stepping foot in a branch. Whether you're checking balances, transferring funds, or paying bills, everything you need is right at your fingertips. Plus, our mobile application allows you to bank on the go, making it even easier to stay on top of your finances. Safety is our priority. We utilize advanced security measures to protect your personal information and transactions. You can also take advantage of electronic signature authorization, which simplifies the process of signing documents securely online.

Financial Strength

Commitment to Excellence

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 commitment extends to providing $986 in used auto loans and a robust total of $101,000,135 in loans and leases, supporting your financial goals across various sectors.

Dedicated Team

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. Total Share Accounts stand at 12,189, showing 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 100 Kiowa Dr W Apt 104 Lake Kiowa Tx 76240 or call (940) 665-1797 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Solid Financial Position

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. We provide financing solutions for both new and used vehicles to make your purchase as affordable as possible. Plus, our refinancing options can lower your monthly payments or help you access cash.

Business Financing

For business owners, our outstanding commercial loans totaling $9,343,529 provide the capital needed to grow and expand. We understand how vital it is for businesses to have access to funding, and our tailored solutions are designed with this in mind. At 4u, we prioritize making finance accessible and straightforward for all our members. If you're interested in learning more about any of these loan products or want to explore eligibility options, please don't hesitate to reach out at (940) 665-1797 or visit us at 100 Kiowa Dr W Apt 104 Lake Kiowa Tx 76240 in Lake Kiowa, TX. 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 us be part of your financial journey today!

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 offer competitive rates and flexible terms that cater to your specific situation. Whether you're buying your first home or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $799,304 in loans helping members manage their finances effectively. This option provides a great way to handle everyday expenses while building your credit score. Our credit cards come with rewards that can benefit you even more!

Loan Aggregator

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