4Front Kalkaska MI Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 4Front, your trusted financial partner located at 120 County Road 612 Ne, Kalkaska, MI 49646. Since our establishment in 1954, we have been dedicated to serving our community and ensuring that our members achieve their financial goals. With a robust membership base of 104,679 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the Kalkaska community. At 4Front, we believe in the power of community support and member engagement. Our total assets have grown to an impressive $1,060,335,235, reflecting our commitment to providing quality services tailored to your needs. Whether you're looking for personal banking solutions such as checking and savings accounts or seeking financing options like auto loans and mortgages, we are here to help. Under the leadership of our CEO, Andrew Kempf, and Board President, Todd Rohrback, we strive to ensure financial stability and growth for all our members. Currently, we hold total deposits of $46,867,236 and manage a diverse loan portfolio with 57,198 loans leased. Our team of 289 dedicated employees is always ready to assist you with personalized service. While members can visit us at our branch location for assistance, any official correspondence should be sent to our mailing address at PO Box 795, Traverse City, MI 49685. We invite you to explore the full range of services we offer by visiting our website at 4frontcu.com or giving us a call at 231-258-1103. Join us today and discover how we can help you navigate your financial journey!

Branch History & Mission

At 4Front, we take pride in our rich history and unwavering commitment to the community of Kalkaska, MI. Established in 1954, our branch has grown from humble beginnings into a vibrant financial institution that proudly serves over 104,000 members. Located at 120 County Road 612 Ne, Kalkaska, MI 49646, we stand as a beacon of financial support and community engagement. Over the decades, 4Front has evolved significantly. Our mission is simple yet powerful: to provide accessible financial services while fostering a spirit of community support. We believe in empowering our members with the tools they need to achieve their financial goals. Whether it's personal banking, auto loans, mortgages, or business financing, we're here to help every step of the way. Our headquarters are based in beautiful Traverse City, MI, but our commitment to Kalkaska runs deep. While members can visit us at our Kalkaska branch for all their banking needs, official correspondence should be sent to PO Box 795, Traverse City, MI 49685. As we have grown, so too has our focus on innovation and inclusivity. We offer state-of-the-art digital banking solutions alongside traditional services to ensure that everyone can access their finances easily. With features like online banking and mobile payments available to our members, managing finances is just a click away. We are proud of our strong connection to the local community. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact beyond mere transactions. Our initiatives are designed not just to meet the financial needs of our members but also to enhance the overall well-being of the communities we serve. Open Monday through Friday from 9:00 AM to 5:30 PM, with additional Interactive Teller Machine (ITM) services available until 7:00 PM, we make it easy for members to manage their banking conveniently. Although we do not offer drive-thru service at this location, we do provide ATM availability for quick cash access and balance checks. As part of our ongoing mission, we invite you to join us at 4Front Credit Union. Experience firsthand how we can help you reach your financial dreams while being an active part of your community. Come visit us today or explore more about what we offer on our website at 4frontcu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Friendly Call-to-Action

We invite you to stop by or give us a call at 231-258-1103 if you have any questions or need assistance. Our dedicated team is ready to help you with all your banking needs. Come see how easy it is to be part of the 4Front family!

Operating Hours

Our lobby hours are designed for your convenience. We're open Monday through Friday from 9:00 AM to 5:30 PM. For those needing earlier access to their accounts, our Interactive Teller Machines (ITMs) are available from 7:00 AM until 7:00 PM on weekdays and Saturdays from 9:00 AM to 2:00 PM.

Our Services and Accessibility

At 4Front, we understand the importance of accessibility. We have made sure that our branch is ADA compliant, featuring ramps and designated parking for those who need it. Plus, with an ATM available on-site, you can manage your banking needs anytime you need cash or want to check your balance. While members can visit us at our physical location for personal banking services including checking and savings accounts, auto loans, mortgages, and more official correspondence should be sent to our mailing address: PO Box 795, Traverse City, MI 49685.

Member Eligibility

At 4front, we believe that everyone deserves to be part of a supportive community where your financial needs come first. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the areas surrounding our branch, you're likely eligible to join us. We also invite family members of existing members to apply, making it even easier for those close to you to enjoy the benefits of membership. By joining 4front, you'll gain access to a range of financial services designed with your needs in mind, from personal banking options to loans and credit cards. To learn more about the specific eligibility requirements, feel free to visit our website at . Once you're ready to take the next step toward membership, you can easily open an account online through this link: https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2zsr2eq8m9isazpzs7hek6gbzedv0gj4qjufrdtm36okhvur-f5_bw8nkke_9vrhzibfs4k3upm7ix4-scpyx2fa0gpbtsdsjch_viv5i4d. If you have any questions or need assistance, don't hesitate to call us at (231) 258-1103. We're excited to welcome you into the 4front family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having the tools to accept payments seamlessly from customers while also gaining insights into your sales trends. Our merchant services provide just that making transactions easy, so you can focus on what matters most: growing your business. From payment processing to analytics, we've got you covered. Visit us at 120 County Road 612 Ne Kalkaska Mi 49646 in Kalkaska, MI, or call us at (231) 258-1103 to learn more about how we can help your business succeed!

Tailored 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.

Comprehensive List Of Services

Accessibility and Convenience

With one ATM on-site, accessing your cash is simple whether you're making withdrawals or checking balances. Plus, our online and mobile banking features ensure that managing your finances is convenient no matter where life takes you.

Business Banking

Running a business? We understand that every penny counts. That's why we offer business banking services including merchant services and business loans tailored for small businesses. Whether you're starting out or looking to expand, we're here to help your business thrive.

Get Started Today!

We invite you to explore all the services available at 4front. With friendly staff ready to assist you, getting started has never been easier. If you have questions or want more information about how we can help you achieve your financial goals, please don't hesitate to reach out at (231) 258-1103. Visit us today at Kalkaska Office, where your financial future is bright!

Personal Banking

When it comes to personal banking, we offer a variety of checking and savings accounts designed to help you manage your money effectively. Imagine having easy access to your funds whenever you need them, thanks to our online and mobile banking platforms. You can check balances, transfer money, and even pay bills with just a few taps on your smartphone. For those considering a new car or wanting to refinance an existing vehicle, our auto loans and vehicle financing options are competitive and straightforward. Picture yourself behind the wheel of that dream car our financing can make it happen! We also provide mortgage loans and refinancing solutions so you can secure your home without the hassle. If you're facing unexpected expenses or need extra cash for a project, our personal loans and debt consolidation services are designed with your needs in mind. Our credit cards come with rewards that let you earn while you spend perfect for everyday purchases or special occasions.

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services available at https://www.4frontcu.com, you can check balances, transfer funds, and pay bills right from the comfort of your home or on the go. Whether you're using a computer or our mobile application, managing your money has never been easier.

Innovative Mobile Features

For those who prefer to handle their banking with their smartphones, our mobile application offers a user-friendly interface that allows for mobile payments and person-to-person transfers. This means you can send money to friends or family in just a few taps no need to visit a branch or write checks.

Real-Time Management at Your Fingertips

At 4front, we believe in making banking accessible for everyone. Our online services allow you to manage your accounts in real-time, so you're always aware of your financial situation. With easy navigation and intuitive features, staying on top of your finances is simple. Explore all these convenient options today by visiting us at https://www.4frontcu.com. Experience how easy banking can be with 4front!

Secure Transactions Made Simple

Security is our top priority. We provide features like electronic signature authorization to make signing documents quick and safe. Plus, with options for e-statements, you can keep track of your account statements without the clutter of paper. You can feel confident knowing that your personal information is protected while enjoying the convenience of these services.

Financial Strength

Comprehensive Lending Solutions

Our lending capacity supports members' financial goals across various sectors with $19,721 in used auto loans and $749,321,675 in total loans and leases. Our ability to provide these loans is further reflected in our operational efficiency, showcased by our $2,249,754.

Dedicated Team of Professionals

We also take pride in having 286 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedicated workforce helps foster relationships built on trust and reliability.

Innovative Growth Investments

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. This focus on improvement allows us to adapt to your needs while maintaining our commitment to financial strength.

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.

Strong 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 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.

Trustworthy Community Banking

Total Share and Deposit Accounts stand at 210,645, showing a strong and growing member base that trusts us with their finances. Our net shares amounting to $4,932,907 demonstrate the funds available for lending and investments, reinforcing our commitment to supporting your financial endeavors. 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 120 County Road 612 Ne Kalkaska Mi 49646 or call (231) 258-1103 to learn more about how we can help you achieve your financial goals.

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 financing options that are straightforward and easy to understand, so you can focus on finding the right vehicle for you.

Business Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. We understand the unique challenges businesses face and work diligently to support your growth through tailored financing solutions.

Credit Lines

Additionally, our total credit lines amount to $350,360,556, giving you access to funds when you need them most. This flexibility allows you to tackle unexpected expenses without worry. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out. Our friendly team is here to assist you every step of the way. For more information or to get started with any of our loan offerings, feel free to contact us at (231) 258-1103 or visit us at our branch located at 120 County Road 612 Ne Kalkaska Mi 49646, Kalkaska, 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 take the next step towards achieving your financial dreams!

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 aim to help you navigate the mortgage process with confidence, offering competitive rates and terms tailored to 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 keeping your budget intact.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to sourcing data only from trusted institutions means that users can rely on the information presented in their loan comparisons.

4Front