4front Bellaire MI Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to 4Front, your trusted partner in financial success right here in Bellaire, MI. Since our establishment in 1954, we have proudly served our community with a commitment to provide exceptional banking services tailored to meet your needs. Located at 515 E Cayuga St, our branch is dedicated to helping you achieve your financial goals, whether it's opening a new checking account, securing an auto loan, or exploring mortgage options. At 4Front, we understand that community matters. With over 104,679 members and total assets reaching an impressive $1,060,335,235, we are proud of the role we play in enhancing the financial well-being of individuals and families across Antrim County. Our robust offerings include personal banking solutions like checking and savings accounts, auto loans, and business banking services designed to empower our local entrepreneurs. Your trust is vital to us. That's why we maintain a strong financial foundation with total deposits of $46,867,236 and a net worth of $98,065,732. With cash in hand amounting to $15,364,200, we're always prepared to support your ambitions. Plus, our dedicated team of 289 employees, led by CEO Andrew Kempf and Board President Todd Rohrback, is here to guide you every step of the way. While members can visit us at 515 E Cayuga St, official correspondence should be sent to our mailing address: PO Box 795, Traverse City, MI 49685. We invite you to reach out at (231) 547-4483 for any inquiries or assistance. Join us today at 4Front where your financial journey begins! Discover how we can help you thrive by visiting our website at 4frontcu.com or stopping by our branch during lobby hours Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. Your future starts here!

Branch History & Mission

Commitment to Accessibility

At 4Front, we are committed to making banking accessible for everyone. Although we currently do not have ATM or drive-thru services available at this branch location, we encourage you to explore our online and mobile banking options that allow you to manage your finances anytime, anywhere. As we look ahead, we invite you to join us on this journey. Experience the benefits of becoming part of the 4Front family today! Call us at 231-547-4483 or visit us online at 4frontcu.com to learn more about how we can help you achieve your financial goals. Your journey towards a better financial future starts here!

Our Mission

Our mission at 4Front is clear: to provide comprehensive financial services while fostering community support. We believe that financial well-being is essential for everyone. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Each product is designed with our members' best interests in mind. We understand that banking is about more than just transactions; it's about people. That's why we actively engage in community outreach efforts and partnerships to support local initiatives. From sponsoring events to providing financial education workshops, we strive to make a positive impact beyond our walls. While members can visit us at 515 E Cayuga St, official correspondence should be sent to PO Box 795, Traverse City, MI 49685. Our friendly staff is here to assist you during our lobby hours: Monday through Friday from 9 AM to 5 PM, and Saturday from 9 AM to 1 PM.

Branch Location & Accessibility

Comprehensive Banking Services

At 4Front Credit Union, we offer a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we're committed to providing personalized solutions. While we currently do not have ATM or drive-thru services available at this branch, our dedicated team is always on hand to assist you with any transactions directly inside the lobby. For any official correspondence, please send mail to our mailing address at PO Box 795, Traverse City, MI 49685.

Convenient Access and Parking

Our location offers ample parking with easy access for everyone. The branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure that all members can visit us comfortably.

Operating Hours That Fit Your Schedule

We understand that life can be busy! That's why we're here for you during convenient hours. Our lobby is open Monday through Friday from 9 AM to 5 PM, and on Saturday from 9 AM to 1 PM. Whether you need assistance with personal banking, loans, or credit cards, our friendly staff is ready to help.

Reach Out Today!

We invite you to visit us at our Bellaire location or give us a call at 231-547-4483 if you have any questions or need assistance. Join us at 4Front Credit Union where your financial journey begins!

Member Eligibility

Joining the 4front family is a wonderful way to connect with a community that cares about your financial well-being. If you're wondering how you can become a member, it's quite simple! Anyone who lives, works, worships, or attends school in the Bellaire area is eligible to join us. This means that whether you're a local resident, a dedicated employee at one of our local businesses, or a student in the area, we welcome you with open arms. Being a member at 4front not only gives you access to a range of personal banking services like checking and savings accounts, auto loans, and credit cards but also provides the support of a community-focused institution that prioritizes your needs. To start your journey with us, you can easily open an account online by visiting our account opening page here. If you have any questions or need assistance, feel free to give us a call at (231) 547-4483. For more detailed information on eligibility requirements, please check out our resource here. We can't wait to welcome you into our community at 515 E Cayuga St Bellaire Mi 49615!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $625 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $91 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $122,490,114, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide merchant services that help streamline your transactions. Think about how easy it is for your customers to pay through various methods credit cards, mobile payments, or online transactions. These services not only enhance customer satisfaction but also boost your bottom line. Discover how 4front can empower your business journey today! Visit us at 515 E Cayuga St Bellaire Mi 49615, Bellaire, MI, or call us at (231) 547-4483 for more information on how we can support your financial needs.

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive banking solutions that include merchant services and business loans. If you're looking to grow your business or streamline operations, we have tailored products just for you.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can manage your accounts from anywhere check balances, transfer funds, pay bills, and more all at your fingertips. Plus, our ATM and cash withdrawal services ensure you can access cash whenever necessary. Our commitment is to make banking easy and accessible for everyone in Bellaire and beyond. If you're ready to explore how 4front can help meet your financial needs, give us a call at (231) 547-4483 or visit us today! Join us in shaping a secure financial future together!

Credit Cards That Reward You

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also offer perks like cash back or travel points. It's a great way to earn something back on your regular spending.

Home Financing Made Easy

If homeownership is part of your dream, look no further than our mortgage loans and refinancing services. We guide you through every step of the process, ensuring you find the right mortgage product that fits your budget. Picture yourself settling into your new home with peace of mind knowing you've made a smart financial choice.

Loans Tailored for You

We also offer personal loans and debt consolidation options that can help simplify your finances. Life can be unpredictable, and having access to funds when needed makes a big difference. Our competitive rates ensure you won't feel overwhelmed by debt while working towards a brighter financial future.

Personal Banking Solutions

When it comes to personal banking, we understand that each member has unique goals. That's why we offer checking and savings accounts designed to help you manage everyday expenses and save for the future. Imagine having easy access to your funds while earning interest our accounts make that possible. For those in need of financing, our auto loans and vehicle financing options provide flexible terms to get you behind the wheel without breaking the bank. Whether you're buying a new car or refinancing an existing loan, we've got your back.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.4frontcu.com , you can check balances, pay bills, and transfer money anytime you need. Our 24/7 online banking services ensure that you're always in control of your accounts, no matter where life takes you. Plus, for those moments when you want to send money to friends or family quickly, our person-to-person transfer feature makes it simple and fast.

Mobile Features

For those who prefer banking on their mobile devices, our user-friendly mobile application lets you access all these features right from your smartphone. Enjoy the ease of mobile payments, so you can make purchases with just a tap. Whether it's splitting a bill with friends or paying for groceries, our mobile features are designed to fit into your busy lifestyle. At 4front, we're committed to providing accessible, easy-to-use tools that put you in charge of your finances. Explore all the ways our digital and online banking services can enhance your banking experience today!

Security and Convenience

Security is a top priority for us. That's why we offer electronic signature authorization for all your transactions, giving you peace of mind while ensuring a smooth experience. You can also opt for e-statements to keep track of your financial activities without the hassle of paper clutter it's not just eco-friendly but also convenient.

Financial Strength

Community Trust

Total Share Accounts stand at 210,645, showing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $4,932,907, reflecting our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 4front is your trusted partner. Visit us at 515 E Cayuga St Bellaire Mi 49615 or call (231) 547-4483 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $70,949,059 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is evident through our $19,721 in used auto loans and $749,321,675 in total loans and leases. This lending capacity supports your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $185,611,228 in share certificates and $136,042,942 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,242,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operations reflect our dedication to serving you well. Our $2,249,754 showcases how efficiently we run our credit union, enabling us to continue offering competitive loan rates and solid financial products for our members. With 286 full-time employees and 3 part-time employees, we have a knowledgeable team ready to assist you whenever you need it.

Solid Foundation

With a net worth of $98,065,732, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $933 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $237,838,745 in used vehicle loans and $20,545,890 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car-buying experience as smooth as possible.

Commercial Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand your business. We work closely with local entrepreneurs to understand their unique challenges and support their growth ambitions. If you're considering refinancing any of these loans or want to learn about eligibility options, feel free to reach out. Our team at 4front, located at 515 E Cayuga St Bellaire Mi 49615, Bellaire, MI, is here to assist you every step of the way. For more information or to speak with a representative, call us at (231) 547-4483. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to helping you achieve your financial dreams!

Credit Lines

If you need access to funds for various purposes, our total credit lines amounting to $350,360,556 offer just what you need. This option allows you to borrow as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $34,698,891, make buying or refinancing simple. We guide you through each step of the process, ensuring you understand your options and find the best fit for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $12,991,614 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while providing a safety net for unexpected expenses.

Loan Aggregator

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4FRONT CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans