4Front Charlevoix MI Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to 4Front, your trusted financial partner in the heart of Charlevoix, MI! Located at 1031 May St, we have been serving our community since 1954 with a commitment to providing exceptional personal and business banking solutions. With over 104,679 members, we take pride in being a cornerstone of financial support for families and businesses alike. At 4Front, we understand that each member has unique needs. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. Our total assets stand at an impressive $1,060,335,235, reflecting our strong position and dedication to serving you better every day. Whether you're looking for a loan or wanting to save for the future, our expert team is here to guide you. Your financial security is our priority. We maintain a net worth of $98,065,732 and have total deposits amounting to $46,867,236, ensuring that your money is safe and sound with us. Plus, with $15,364,200 cash in hand, we're always ready to assist you when you need it most. Our dedicated team of 289 employees, led by CEO Andrew Kempf and Board President Todd Rohrback, is passionate about making a positive impact in Charlevoix and beyond. We are not just about numbers; we are about building lasting relationships within our community. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 795, Traverse City, MI 49685. Ready to take the next step? Give us a call at 231-547-4483 or visit us online at 4frontcu.com to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Community Commitment

Our dedication doesn't stop at banking services. We actively seek partnerships with local charities and organizations that align with our values. Whether it's through financial literacy workshops or sponsorships for community events, we believe in giving back to those who support us. In today's world where convenience matters more than ever, we're also proud to offer modern banking solutions including online banking and mobile payment options. This ensures that all members can manage their finances easily and securely from anywhere.

Join Us!

As we continue this journey together with you our valued members we invite you to experience all that 4Front has to offer. Come visit us during our lobby hours from 9:00 AM - 5:00 PM, Monday through Friday or utilize our ATM services anytime. Together, let's build a brighter financial future for you and your family. Join us today at 4frontcu.com or give us a call at 231-547-4483. Let's make great things happen together!

Our Evolution

Since opening our doors in 1954, 4Front has evolved from a small local credit union into a robust financial institution that champions member-focused services. We have embraced technological advancements while maintaining our roots in community service. With a focus on personal banking, auto loans, mortgages, and business banking solutions, we aim to empower every member's financial journey. Our headquarters in Traverse City positions us strategically to understand and meet the needs of our diverse membership across Michigan. We are proud of our strong local presence and the relationships we've built within the community. From sponsoring local events to partnering with organizations that uplift residents, our outreach initiatives reflect our mission: to provide reliable financial services while being an active participant in community growth.

Our Mission

At 4Front, our mission is simple yet powerful: we strive to enhance the lives of our members through accessible financial products and exceptional service. We believe in creating opportunities for individuals and families to achieve their goals be it buying a home, funding education, or starting a business. Our commitment extends beyond just transactions; we genuinely care about each member's success. While you can visit us at 1031 May St, please note that any official correspondence should be sent to PO Box 795, Traverse City, MI 49685 if needed.

Branch Location & Accessibility

Accessibility Features

At our branch, accessibility is a priority. We provide ADA-compliant facilities and ramps to ensure everyone can enjoy seamless access to our services. If you're driving, you'll find ample parking right outside our doors, making it simple to pop in for a visit.

Connect With Us

We invite you to visit us at the 4Front Credit Union branch in Charlevoix or give us a call at 231-547-4483. Our friendly staff is ready to assist you with any questions or services you might need. Come see how we can support your financial journey today!

Operating Hours

Our lobby hours are tailored to fit your schedule, open from 9:00 AM to 5:00 PM Monday through Friday. For those who prefer extended service options, our Interactive Teller Machines (ITMs) are available from 7:00 AM until 7:00 PM on weekdays and from 9:00 AM to 2:00 PM on Saturdays. We strive to make banking as accessible as possible!

Services Offered

At this branch, we offer a variety of services including personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For business owners, we also provide merchant services and business loans. With ATM access available at the branch, you can easily withdraw cash or check your balance anytime you need. While members can visit us at our physical location for all their banking needs, official correspondence should be sent to PO Box 795 in Traverse City if you need to reach us by mail.

Member Eligibility

Becoming a member of 4front is like joining a family where everyone supports each other. If you live, work, worship, or attend school in the Charlevoix area, you're likely eligible to join us! We believe that everyone deserves access to friendly and helpful financial services. At 4front, we offer a range of benefits designed just for you, including competitive loan rates, savings options, and personalized service that feels warm and welcoming. To learn more about the specific eligibility requirements, please check out our detailed guide at . When you're ready to take the next step towards membership, opening an account is simple! Just visit us online at https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2zsr2eq8m9isazpzs7hek6gbzedv0gj4qjufrdtm36okhvur-f5_bw8nkke_9vrhzibfs4k3upm7ix4-scpyx2fa0gpbtsdsjch_viv5i4d, or give us a call at (231) 547-4483. We can't wait to welcome you to our community at 1031 May St Charlevoix Mi 49720!

Business Banking & Commercial Services

Loan Options That Make a Difference

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 for Everyday Needs

In addition to loans, we offer merchant services that simplify payment processing for your business. Whether you're operating a local storefront or an online shop, our solutions ensure you can accept payments easily and securely. This means more time focusing on what you do best running your business. Visit us at 1031 May St Charlevoix Mi 49720 in Charlevoix, MI or call us at (231) 547-4483 to learn how we can assist you in reaching your business goals today!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer specialized Business Banking services that include Merchant Services and Business Loans. Whether you're starting a new venture or looking to grow an existing one, our team is here to support your goals with tailored financial solutions.

Convenient Access

We know that life can be busy, which is why our digital banking features are designed for ease and accessibility. Our members can enjoy the convenience of mobile payments and person-to-person transfers, making it simpler than ever to manage finances on the go. Whether you're stopping by our branch in Charlevoix or utilizing our online services from anywhere, 4front is committed to helping you achieve your financial dreams. If you have any questions about our services or want to get started today, don't hesitate to reach out at (231) 547-4483. Explore all that we have to offer by visiting us online at https://www.4frontcu.com or stop by our branch your future starts here!

Credit Options

In today's world, having access to credit is essential. That's why we provide flexible Personal Loans & Debt Consolidation options that can help simplify your finances. You can also enjoy the benefits of our Credit Cards with Rewards, which allow you to earn points on everyday purchases perfect for those who love to shop or travel.

Personal Banking Services

For those looking to manage everyday expenses, our Personal Banking services include checking and savings accounts designed for convenience and flexibility. Imagine easily accessing your funds with our user-friendly Online & Mobile Banking platforms, where you can check balances, transfer money, and even pay bills all from the comfort of your home or on the go. Plus, with our ATM & Cash Withdrawal Services, you can access your cash at various locations without hassle. If you're considering a new vehicle or need assistance with existing debts, our Auto Loans & Vehicle Financing options make it easy to drive away with confidence. We also offer Mortgage Loans & Refinancing solutions that cater to your unique situation whether you're buying your first home or looking to refinance for better rates.

Digital & Online Banking

Key Features

With just a few clicks, you can access your accounts anytime through our online banking portal at https://www.4frontcu.com. Our 24/7 online banking services let you manage your finances on your schedule, so you never have to worry about rushing to the branch during business hours.

On-the-Go Banking

Stay connected wherever life takes you with our mobile application. You can also make payments on the spot with mobile payments, ensuring you're always ready for whatever comes next. And if you need to send money quickly to friends or family, our person-to-person transfer feature has got you covered. At 4front, we believe in making banking accessible for everyone. With user-friendly features and real-time account management tools, you'll find that taking care of your finances has never been easier or more secure. Join us today and experience the future of banking!

Security and Ease of Use

Your peace of mind is our priority. We offer electronic signature authorization for a smooth and secure way to handle important documents. Plus, you can go paperless with e-statements, helping both the environment and your wallet by reducing clutter.

Financial Strength

Growing Membership Base

The trust placed in us by our community is evident with a total of 210,645 share accounts. This growing membership base showcases the confidence members have in 4front, further solidifying our standing as a reliable financial partner. In summary, 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 1031 May St Charlevoix Mi 49720 or call (231) 547-4483 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investment in Growth

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 lending capacity supports your financial goals across various sectors with $19,721 in used auto loans and $749,321,675 in total loans and leases.

Member-Centric Approach

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 $2,249,754 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 286 full-time employees and 3 part-time employees dedicated to providing exceptional service at every turn.

Solid Financial Health

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 commitment to financial responsibility is reflected in our net worth ratio of $933, which demonstrates a solid capital foundation. This strength ensures 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 rates that make financing your vehicle straightforward and manageable.

Commercial Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. Whether you're looking to purchase equipment or fund a new project, our commercial loan options can support your business ambitions. At 4front, we prioritize transparency and accessibility. If you're considering refinancing or need information about eligibility options, our friendly team is ready to assist you. We encourage you to reach out at (231) 547-4483 for any inquiries or visit us at our location: 1031 May St Charlevoix Mi 49720 in Charlevoix, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey with confidence!

Credit Lines and Unsecured Loans

We also offer a range of personal lending solutions, including credit lines totaling $350,360,556 and unsecured credit card loans amounting to $12,991,614. These products can help you manage unexpected expenses or consolidate debt without the need for collateral.

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. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is here to help guide you through every step of the process.

Loan Aggregator

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Ensuring Accurate Comparisons

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4Front