Last Updated: 04/18/2025
4U Credit Union Special Savings Account
Unaffiliated
in Savings Accounts from 4U Credit Union
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.40%(Verified 07/25/2024)
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$100
4U Credit Union Special Savings Account Review
4U Credit Union Special Savings Account is offered by 4U Credit Union, a credit union founded in 1956 and based in Gainesville, TX. 4U Credit Union Special Savings Account are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. 4U Credit Union Special Savings Account has an annual percentage yield of up to 0.40%, which is higher than the average interest rate for savings accounts. Note that you must keep a minimum balance of $100.00 to earn that interest rate.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
4U Credit Union Special Savings Account Pros & Cons
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4U Credit Union Special Savings Account FAQ
Are savings accounts from 4U Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does 4U Credit Union offer a signup bonus?
4U Credit Union Special Savings Account doesn't offer a signup bonus.
What is the minimum initial deposit for 4U Credit Union Special Savings Account?
There is no minimum deposit to open a 4U Credit Union Special Savings Account.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does 4U Credit Union Special Savings Account offer?
4U Credit Union Special Savings Account offers an APY of 0.40% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does 4U Credit Union Special Savings Account charge?
4U Credit Union Special Savings Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $15.00 fee.
- Outgoing international bank transfers come with a $30.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $30.00 fee per item.
- 4U Credit Union Special Savings Account charges $5.00 every time you request a paper statement.
Does 4U Credit Union Special Savings Account charge overdraft fees?
Yes, 4U Credit Union Special Savings Account charges a $30.00 overdraft fee. 4U Credit Union Special Savings Account offers overdraft protection at a cost of $5.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does 4U Credit Union Special Savings Account offer?
This savings account includes the following features:
- Mobile Banking Services - 4U Credit Union Special Savings Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to 4U Credit Union Special Savings Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for 4U Credit Union Special Savings Account?
The customer support email for 4U Credit Union Special Savings Account is 4ucu@4ucu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
Closed