4Front Credit Union


Overview / Commentary
231-929-2000
101 N Park St
Traverse City, MI 49685-0795

4Front Credit Union is headquartered in Traverse City and is the 24th largest credit union in the state of Michigan. It is also the 426th largest credit union in the nation. It was established in 1954 and as of September of 2024, it had grown to 286 employees and 104,679 members at 21 locations. 4Front Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

4Front Credit Union offers membership to individuals (and their immediate family members) who live, work, worship, or attend school anywhere in Michigan.
See current membership details

Reviews (2)

Poorly Managed, Poorly Trained Employees

Posted by: |

I became a member of 4Front after my credit union was acquired by 4Front. Things only went down hill from there. They are almost impossible to reach by phone. The counter employees are generally nice but seem to be untrained in such areas as IRA accounts and tax reporting on distributions from those accounts. The branch manager was rude and refused to help me with a incorrect tax reporting form. A large mistake made by them that they incorrectly reported to the IRS.
After several years of problems, I finally moved my retirement account to a local bank. I would not recommend 4Front. If you want a good banking experience look elsewhere.

4Front Credit Union No Help.

Posted by: |

I wouldn't recommend using this credit union,my card was hacked 4 times with in 2 months and every time it's the same hacker and all 4front says is wete sorry we can't do anything, and here I'm going to need to call everyone again that I have have auto pay with and yet 4front credit union doesn't give a shit about you or your time that is invested in making all these phone calls , so if you want to go through this go ahead and use this credit union,and when this happens to you over and over remember that I gave you a warning ??.



Health

Health Grade Components

Overall
NCUA #61365
Year Chartered1954
Employees286
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.36%
Annual Interest Income$43.1MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.06B$1.11B
LoansQ3 2024vs Q3 2023$749.3MM$781.7MM
DepositsQ3 2024vs Q3 2023$927.4MM$1.02B
Equity CapitalQ3 2024vs Q3 2023$89.4MM$77MM
Loan Loss AllowanceQ3 2024vs Q3 2023$7.4MM$6.5MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$7.9MM$11.3MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not 4Front Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

4Front Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-IRA Share Savings
0.50%$0-Roth IRA Share Savings
0.10%$0-Health Savings Account
0.05%$1-Prime Share
0.05%$0-Designated Share
0.05%$0-eShare
0.05%$1-Business Prime Share
0.05%$0-Business Designated Share

4Front Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market Share
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k
0.40%*$100k*-Business Money Market Share
OTHER TIERS: 0.15% $5k - $25k | 0.25% $25k - $100k
0.30%*$50k*-Money Market Checking
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k

4Front Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.08%$0$15kStraight4ward Rewards Checking
0.40%*$100k*-4Front Business Checking
OTHER TIERS: 0.15% $5k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k
0.40%*$100k*-IOLTA Checking
OTHER TIERS: 0.15% $0 - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k

4Front Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$100k-36 Month Jumbo CD
3.20%$100k-Business 36 Month Jumbo CD
3.04%$1k-36 Month CD
3.04%$1k-Business 36 Month CD
2.43%$100k-12 Month Jumbo CD
2.43%$100k-24 Month Jumbo CD
2.43%$100k-48 Month Jumbo CD
2.43%$100k-60 Month Jumbo CD
2.43%$100k-18 Month Jumbo CD
2.43%$100k-Business 12 Month Jumbo CD
2.43%$100k-Business 18 Month Jumbo CD
2.43%$100k-Business 24 Month Jumbo CD
2.43%$100k-Business 48 Month Jumbo CD
2.43%$100k-Business 60 Month Jumbo CD
2.43%$100k-30 Month Jumbo CD
2.43%$100k-Business 30 Month Jumbo CD
2.27%$1k-6 Month CD
2.27%$1k-12 Month CD
2.27%$1k-18 Month CD
2.27%$1k-24 Month CD
2.27%$1k-60 Month CD
2.27%$1k-48 Month CD
2.27%$1k-Business 6 Month CD
2.27%$1k-Business 12 Month CD
2.27%$1k-Business 18 Month CD
2.27%$1k-Business 24 Month CD
2.27%$1k-Business 48 Month CD
2.27%$1k-Business 60 Month CD
2.27%$1k-30 Month CD
2.27%$1k-Business 30 Month CD

4Front Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$100k-36 Month Jumbo IRA
3.04%$1k-36 Month IRA
2.43%$100k-12 Month Jumbo IRA
2.43%$100k-48 Month Jumbo IRA
2.43%$100k-60 Month Jumbo IRA
2.43%$100k-18 Month Jumbo IRA
2.43%$100k-24 Month Jumbo IRA
2.43%$100k-30 Month Jumbo IRA
2.27%$1k-12 Month IRA
2.27%$1k-24 Month IRA
2.27%$1k-60 Month IRA
2.27%$1k-6 Month IRA
2.27%$1k-18 Month IRA
2.27%$1k-48 Month IRA
2.27%$1k-30 Month IRA
Locations

Availability



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