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.
4Front Credit Union offers membership to individuals (and their immediate family members) who live, work, worship, or attend school anywhere in Michigan.
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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.
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 ??.
Overall | |
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NCUA # | 61365 |
Year Chartered | 1954 |
Employees | 286 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.29% |
Return on Equity - YTD | 3.36% |
Annual Interest Income | $43.1MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q3 2024vs Q3 2023 | $1.06B$1.11B |
Loans | Q3 2024vs Q3 2023 | $749.3MM$781.7MM |
Deposits | Q3 2024vs Q3 2023 | $927.4MM$1.02B |
Equity Capital | Q3 2024vs Q3 2023 | $89.4MM$77MM |
Loan Loss Allowance | Q3 2024vs Q3 2023 | $7.4MM$6.5MM |
Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $7.9MM$11.3MM |
Real Estate Owned | Q3 2024vs Q3 2023 | $0$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.