Products & Services

Products & Services

Savings & Checking Programs

Primary Savings

Opening a savings account is your first step to building a strong financial future. An individual becomes a member of the credit union by opening a savings account. When you open your account with a minimum opening balance of only $5.00, you become a shareholder of the credit union. This ownership entitles you to take advantage of the other products and services the Credit Union provides. You can begin earning dividends on your savings account when your account balance reaches $100.00.

Business Savings

If you're a business owner, you'll want to take advantage of our Business Savings Account. It's a basic tool that earns dividends without high balance requirements or high minimum opening deposits.

Club Accounts

Relieve holiday stress with a Christmas Club Account. This special account is designed to help you save for the holidays. You can make deposits in person, mail and through automatic payments or transfers. Funds and dividends earned are transferred to your savings account in November, just in the St. Nick of time.

To make the good times in life affordable, consider opening a Vacation Club Account and take advantage of our flexible approach of making systematic payments throughout the year.

Plus Checking

Your checking account is a cornerstone of your relationship with Plus4 Credit Union. That is why Plus4 is excited to bring to you, Plus Checking. All Plus Checking members are able to take advantage of the new benefits attached to their checking account, including cash rebates, local discounts and printable grocery coupons.

For online purchases at national retailers, rebates are automatically deposited into your checking account within 60 days of purchase. For local discounts and grocery coupons, simply print the coupons to redeem in-store. Total savings with these rewards can easily add up to hundreds of dollars each year.

In order to bring these amazing benefits to you, Plus Checking will have a $7.50 monthly fee, which you can reduce and/or completely eliminate EVERY MONTH. Here’s how it works:

  • Post and clear debit card purchases over $5.00. Each transaction over $5.00 will reduce your monthly fee by $0.25
  • Signing up for e-statements will reduce your fee by $1.00
  • If you maintain an average monthly balance of $4,0001 the entire fee will be eliminated.

For more information or to enroll online in Plus Checking, CLICK HERE.

1 The average monthly balance is based on your ledger balance at the end of the monthly statement cycle

Money Market Checking Account

Our Money Market Checking Account is just like our Primary Checking Account, but the earning potential is greater with a money market rate. With its high interest rate, it is a great way to build savings without market risks. You'll enjoy these benefits with our Money Market Checking Account:

  • Six free withdrawals per month
  • Competitive rate
  • No monthly service charge

Business Checking

Our Business Checking Account provides a simple and reliable checking account for your business that allows you to manage incoming and outgoing funds. It allows you to pay bills, receive payments, and make deposits all at an affordable price. If you're a member and have a Primary checking account, all it takes is a minimum deposit of $100 to open an account. Reap these rewards with a Plus4 Business Checking Account:

  • Low opening deposit
  • First 50 check clearings are free
  • Monthly statements provide you with up-to-date record keeping

Reward Checking

Want a checking account that pays? Plus4 is proud to offer our members Reward Checking. With a Plus4 Reward Checking account, you can earn up to 2.51% APY (Annual Percentage Yield) on your account balance, up to $10,000. After you reach the $10,000 mark, you will still earn .75% APY on everything over it.

To qualify for the premium interest rate, all you must do is:

  • 10 signature based debit card purchases
  • Set up one Direct Deposit or authorize one automatic payment from your account.
  • Enroll and receive Electronic Statements (valid e-mail address is required)
  • Access online banking at least once a month

That's it. And don't worry if you don't meet all of the requirements in one month. You will still earn 0.01% APY like normal checking accounts do.

But wait, there's more. With Plus4 Reward Checking, you get free nationwide ATM access and we will even refund the fees other ATMs charge you, up to $25. There is no minimum balance required to open this account and it is available for personal accounts only.

To see an informative flash video on Plus4 Reward Checking, CLICK HERE. If you have any questions, give us a call at 713.970.6200 and ask to speak with a Plus4 representative today.

Plus4 and Reward Checking. now that's a Plus!

Annual Percentage Rates for this account are effective as of Unknown rate effective date and subject to change after account is opened.

No minimum balance is required to open this account. Available for personal accounts only. No monthly service charge.

Contact Plus4 Credit Union for more details.



PLUS4 Core Values: Respect, Embrace change, Do the right thing.