Products & Services

Products & Services


PLUS4 is an equal opportunity lender.


Opportunities Made For Your Changing Needs

If you're thinking about purchasing a New or Used Vehicle, PLUS4 will help give you the best financial options available. Plus4 loans offer a distinct advantage over dealer financing with low interest rates, simple interest calculations and no prepayment penalties. Both New and Used Auto Loans are offered with your choice of terms and 100% financing is available to qualified borrowers. Even if you've already financed a vehicle elsewhere, you can still save money by refinancing it at a lower interest rate with Plus4 Credit Union. Plus4 will negotiate interest rates. If you find a more competitive interest rate, give us a call.

  • Up to 100 percent financing, including tax, title, license, and extended service contracts available for new and used vehicles
  • Credit life and disability insurance is available

Consumer Loans

Peace of Mind is Yours To Have

Take advantage of Plus4's Credit Union Line of Credit/Overdraft Protection Loans. This convenient loan serves as overdraft protection for your checking account as well as a pre-approved limit for all those unexpected emergencies. The line of credit can be used for any purpose. Once you are approved for a Line of Credit, there is no more paper work. Simply access your LOC when the need arises.

  • Qualified members may open a credit line with a pre-determined limit
  • Gain easy access to your line of credit by using Teller Line, the phone center, Plus4 owned ATM's, E-Access online account access, or stop by your nearest credit union office.
  • Enjoy overdraft protection into your checking account
  • Credit life and disability insurance is available

The Purchasing Power You Need For Everything Else

With a PLUS4 Signature Loan we provide you the means to borrow money when you're not pledging collateral. The interest rate is slightly higher for a Signature Loan than other consumer loans, but our interest rates are competitive to that of other financial institutions.
  • Signature loans have a fixed interest rate.
  • Credit life and disability insurance is available

Borrow and Keep Your Nest Egg

Share Secured/Certificate Secured Loan is a loan using a Share Savings Account or Share Certificate as collateral (IRA's not eligible).

  • Loan amount can be up to 90% of Share Certificate account balance or 100% of the available balance in the Share Account.
  • Loan term can be up to 48 months with a balloon payment
  • The interest rate is just right - 3% more than the interest rate earned on Share Certificate or 5.50% more than the interest rate earned on Share Savings.

Home Mortgage Loans

We can help you get into the home of your dreamsÖ

Is there a smart, simple way to get a mortgage with competitive pricing, professional assistance, hassle-free processing and fast approval?

Yes! Our mortgage service can give you answers to all your mortgage questions. Whether you are looking to purchase a home or would like to refinance your existing mortgage, our mortgage service has the solutions you need. And you can shop for your new home with confidence.

Approved to Move

Designed to give you the confidence of a cash buyer, a mortgage pre-approval program eliminates the anxiety of finding your dream home, and then waiting and worrying to see if you are approved. Getting a pre-approval gets 80% of your processing done before you find a home. You can begin house hunting with confidence, knowing exactly how much home you can afford. With a commitment to lend, you improve your bargaining position when submitting a purchase offer. What a way to impress a seller!

Where Do I Begin?

Our mortgage service makes it easy for you to apply for a mortgage or just talk to an experienced loan specialist about your mortgage options. You may apply by phone, in person, online or through the mail. For more information about applying, contact Suzie Harz with SWBC Mortgage at 800.460.6990.

Home Equity Loans

A Home Equity Loan From Plus4 Will Have You Seeing Green

In need of extra cash? Donít look any further than your own home. With a Plus4 Home Equity Loan, we realize our members have dreams and desires that extend beyond that traditional kitchen remodeling. With our low interest Home Equity Loan option, itís just the ticket to help you finance that major purchase, college tuition, debt consolidation, home improvement and much more. For additional information or to apply for a loan, contact a Plus4 Representative at 713-970-6200.

Plus, there are no application fees, no points and weíll even pay customary closing cost

Credit Cards

The only credit card you'll ever have to carry

If you typically use your Visa card for convenience and payoff your balance each month, our rewards card may be the right card for you. With the Plus4 Credit Union Visa Platinum Rewards credit card, you'll earn rewards on your purchases on a monthly basis, which you'll be able to redeem for cash, gift cards, merchandise or travel. Even better, there's no annual fee! Our Visa Platinum Rewards Card Offers:

  • No Annual Fee!
  • Straight forward card with no hidden fees, tricks, or gimmicks.
  • Earn 1 point for every dollar you spend.
  • Redeem reward points for cash, travel, merchandise or gift cards at
  • Travel Insurance.

Don't let high rates stop you from shopping, stop by any of our locations to get started today!

Plus4 Core Values: Respect, Embrace change, Do the right thing.