Desserts At The Old Bank: Fourth Credit Union

Fourth Credit Union 台中市第四信用合作社



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Chili Cheese Waffle
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Fourth Credit Union 台中市第四信用合作社 Review

In the remnants of an old bank building in Taichung, you can find the Fourth Credit Union 台中市第四信用合作社. The name is very misleading because it’s a place that serves coffee, ice cream and desserts.

Why I like it?
It’s the coolest building! Even though it looks like a 1940’s bank, the building is still very clean and safe. Fourth Credit Union 台中市第四信用合作社 is one of the coolest places in Taiwan for brunch.

The Food
As you can expect from a super trendy place, the food is good…but not amazing. I’d rate it 4/5 depending on what you get. I’ve tried several items here and it’s not necessarily the best food in Taichung, but it is good food.

My favorite items dish here is chili cheese fries waffles. Extremely savory and satisfying. If you’re coming here for dessert, they have a LARGE variety of homemade ice cream and it’s good!

The Ice Cream (pro-tip!)
You’ll notice the longest line will consistently be for the ice cream. If you want to avoid that line, you can order ice cream from the waffles counter. The only difference is that you are limited to just ice cream in a cup. There’s no cone or additional toppings when ordering from the waffles counter, but it is a great way to skip the line.

As for the tea and coffee, they have a great variety. I tried some of the cold teas and thought they were okay. Nothing I would go to the Fourth Credit Union 台中市第四信用合作社 specifically just to get.

I’ve come here every time I’ve gone to Taichung just because I love the vibe at Fourth Credit Union 台中市第四信用合作社. I’ll be back again!

Fourth Credit Union 台中市第四信用合作社 Menu And Additional Photos

Fourth Credit Union 台中市第四信用合作社 Location

Rating Guide


It’s food, but you’re not going to enjoy it


Didn’t meet minimum meal expectations


Satisfying and an adequate meal.


So good you’ll eat here again!


You will remember this meal for the rest of your life!

Pricing Guide


NT$1-100 (US$0-$3.23)


NT$100-300 (US$3.23-9.68)


NT$300-700 (US$9-22)


NT$700+ (US$22.60+)


Not required or expected. Some restaurants may have a 10% service charge.

Each rating TAIWANEATER rating is comprised of Quality, Service and Value (in order of the rating’s most important points).

QUALITY: The [Quality] is based on how good the food tastes and the presentation.

SERVICE: The [Service] is based on the dining experience. This includes the ambiance of the restaurant and how the interactions with the staff.

VALUE: The [Value] is based on both the Quality and Service in relation to the price. Ratings for food with a low price are a little more generous than food with a high price.

Money In Taiwan

Tax Is Included In The Price

All displayed prices in Taiwan are the actual price. Tax is already included and for large purchases, tourists visiting Taiwan can get a 5% Taiwan VAT refund at the airport Tax Refund counter. Some shops offer this service too, but they will require your passport.

Taiwan Is Cash Only (For Most Small Shops)

The primary payment method for all transactions in Taiwan is cash. It’s very rare for small shops to take anything other than cash. It’s more common to see places accept the Taipei Metro Card as payment rather a credit card.

Supermarkets and convenience stores in Taiwan (7-Eleven, Family Mart) do not accept credit cards (at least not American credit cards). You can only make purchases by cash or by using your pre-loaded funds on your EasyCard.

Using Credit Cards in Taiwan

If you want to use your credit card in Taiwan, make sure to check if a restaurant in Taiwan accepts credit card in advance. When a place does accept credit card, it will typically be Visa or Mastercard. It’s extremely rare for a place to accept Discover and American Express.UberEats, HonestBee, Deliveroo and FoodPanda are Taipei Food Delivery Services where you can order food directly to your airbnb or hotel using a credit card.

Exchanging Money in Taiwan

You can exchange money at the airport or any bank in Taiwan. The rates vary from bank to bank and it can be a hassle to get a good rate. For additional information, check out my Exchanging Money In Taiwan Guide.


The purpose of this review is to give an honest opinion of the food you can eat in Taiwan. Many people come to Taipei to try out Taiwanese food and end up eating at low quality places meant for tourists. This is because they don’t know where the best restaurants to eat in Taipei are or because they were recommended food by a tourist rather than Taiwan Travel Blog that has researched and tried all the best Taipei eats.

TAIWANEATER is a Taipei Travel Blog bringing you honest feedback about all the Best Food to eat in Taipei, Top Restaurants in Taipei, Best Desserts in Taipei, Taiwan Night Market Guide, Best Cheap Places To Eat in Taipei and the Best Street Food In Taipei.

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