4Front Manistee MI Credit Union | Low Mortgage Rates & Business Banking

Introduction

Welcome to 4Front, your trusted partner in financial success, located at 1960 Us Highway 31 S, Manistee, MI 49660. Since our establishment in 1954, we have proudly served the community with a commitment to providing personalized banking solutions that cater to your unique needs. With a robust membership base of over 104,679 members and total assets exceeding $1 billion, we stand strong as a reliable credit union dedicated to helping you achieve your financial goals. At 4Front, we understand that banking goes beyond transactions; it's about building relationships and supporting our community. Our total deposits amount to $46,867,236, reflecting the trust our members place in us. We offer a variety of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and more designed to empower you on your financial journey. While you can visit us at our branch for all your banking needs, please send any official correspondence to our mailing address: PO Box 795, Traverse City, MI 49685. With cash reserves of $15,364,200 and a net worth of $98,065,732, we are well-equipped to support your financial aspirations today and in the future. Our leadership team is dedicated to ensuring that every member receives the best possible service. Under the guidance of CEO Andrew Kempf and Board President Todd Rohrback, our team of nearly 290 employees works tirelessly to foster a welcoming environment where you feel valued and supported. We invite you to connect with us! Whether you want to open an account or inquire about our services, call us at 231-723-8303 or visit our website at 4FrontCU.com. Let's work together towards a brighter financial future!

Branch History & Mission

The journey of 4Front in Manistee, MI began in 1954, rooted in a commitment to serve the community with reliable and accessible financial solutions. Over the years, our branch has blossomed into a trusted partner for over 104,679 members, offering a wide range of services tailored to meet diverse needs. Located at 1960 Us Highway 31 S, our branch is easily accessible for everyone in the area. We are proud to be part of the vibrant Manistee community, surrounded by beautiful landscapes and a supportive neighborhood. While you can visit us at this address, any official correspondence should be sent to our mailing address: PO Box 795, Traverse City, MI 49685. As we reflect on our history, we celebrate milestones that have shaped us. Our total assets now exceed $1 billion, allowing us to provide meaningful support and services. From personal banking options like checking accounts and auto loans to business banking solutions, we are here to help you achieve your financial goals. At the heart of our mission is a dedication to empower individuals and families. We believe that everyone deserves access to affordable financial services. Our commitment goes beyond transactions; we aim to build lasting relationships within our community. Through various outreach programs and partnerships, we strive to make a positive impact on the lives of those around us. We also embrace innovation with features like online and mobile banking, ensuring that members can manage their finances conveniently from anywhere. With ATM availability right at our branch and Interactive Teller Machines (ITMs) extending service hours, we prioritize accessibility for all. Our operating hours are designed to fit your busy schedule: we welcome you from 9:00 AM - 5:30 PM Monday through Friday, with extended ITM hours until 7:00 PM during weekdays and even open on Saturdays until 2:00 PM. As we continue to grow and adapt to the needs of our members, we invite you to join us on this journey. Experience the benefits of becoming a member of 4Front, where your financial well-being is our priority. Reach out today at 231-723-8303 or visit us online at 4frontcu.com to learn more about how we can support you!

Branch Location & Accessibility

Convenient Access

At our Manistee location, you'll find ample parking available right outside the branch. For those needing extra assistance, we are proud to be ADA compliant, ensuring that everyone can access our services comfortably. While our official mailing address is PO Box 795, Traverse City, MI 49685, you can always visit us directly at our branch for any in-person inquiries.

Get in Touch

Have questions or need assistance? Don't hesitate to call us at 231-723-8303! Whether you're looking for information about our services or want guidance on opening an account, our team is ready and eager to help. We look forward to welcoming you at the 4Front Manistee Office soon!

Operating Hours

Our friendly team is here to serve you Monday through Friday from 9:00 AM to 5:30 PM. For added convenience, we also offer Interactive Teller Machines (ITMs) that are available from 7:00 AM until 7:00 PM on weekdays and from 9:00 AM to 2:00 PM on Saturdays. We invite you to stop by during these hours for personalized service or quick transactions.

Services Offered

At the 4Front Manistee Office, we provide a wide array of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage financing, our staff is equipped to help you navigate your options. We also offer online and mobile banking for those who prefer managing their finances from home or on-the-go. With ATM availability at our branch, accessing cash has never been easier!

Member Eligibility

Becoming a member of 4front is like joining a warm, welcoming community where your financial well-being is our top priority. If you're looking to enjoy the many benefits of membership, it's great to know that eligibility is open to a variety of individuals. Anyone who lives, works, worships, or attends school in the area can become a member. This means you can tap into our fantastic services, from personal banking to loans tailored just for you! To learn more about the specific eligibility criteria, we invite you to check out this helpful resource: . Opening an account with us is straightforward and inviting. You can easily start your journey by visiting our online application at https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2zsr2eq8m9isazpzs7hek6gbzedv0gj4qjufrdtm36okhvur-f5_bw8nkke_9vrhzibfs4k3upm7ix4-scpyx2fa0gpbtsdsjch_viv5i4d, or feel free to give us a call at (231) 723-8303 if you have any questions. Join us at 4front, located at 1960 Us Highway 31 S Manistee Mi 49660, and experience the support and resources that come with being a valued member of our credit union family!

Business Banking & Commercial Services

Business Loans That Make an Impact

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 to Simplify Transactions

Imagine being able to process payments seamlessly, allowing you to focus on what you do best running your business. Our merchant services offer easy payment processing options that cater to your needs, whether you're selling products in-store or online. This means you can accept credit cards, mobile payments, and more without any hassle. Visit us at 1960 Us Highway 31 S Manistee Mi 49660 in Manistee, MI or call us at (231) 723-8303 to discover how our business banking and commercial services can empower your success today!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we have tailored solutions for you too! Our Business Banking services include Merchant Services & Business Loans, helping you manage cash flow and grow your enterprise effectively.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts from anywhere at any time. You can also take advantage of our ATM & Cash Withdrawal Services, making it easy to access your cash when you need it most.

Get Started Today!

Ready to experience these services firsthand? Give us a call at (231) 723-8303 or visit us at our branch in Manistee, MI. Our friendly staff is here to assist you every step of the way! Visit our website at Manistee Office for more information or to open an account today! We look forward to welcoming you as part of the 4front family!

Personal Banking Services

For those looking to manage their day-to-day finances, our Personal Banking options are designed just for you. We offer Checking & Savings Accounts that make it easy to keep track of your money while earning interest on your savings. Need a car? Our Auto Loans & Vehicle Financing can help get you behind the wheel without breaking the bank. If you're dreaming of homeownership, our Mortgage Loans & Refinancing services will guide you through the process with competitive rates and personalized assistance.

Support for Everyday Needs

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation can help ease your financial stress. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn while you spend on things you already buy!

Digital & Online Banking

Always Available

Our commitment to providing excellent service means that you have access to 24/7 online banking. Whether it's day or night, you can manage your accounts whenever it suits you best. We're here to make banking as straightforward as possible so you can focus on what really matters in life. Experience the convenience of digital banking with 4front today!

Key Features

With our online banking platform, available at https://www.4frontcu.com, you can check your balance, transfer funds, and pay bills all with just a few clicks. Whether you're at home or on the go, managing your money has never been simpler. Our mobile application further enhances this experience, allowing you to perform banking tasks right from your smartphone. Need to send money quickly? With our person-to-person transfer feature, you can send funds instantly to friends or family without the hassle of cash or checks. Plus, our electronic signature authorization makes it easy to sign documents securely online no more printing and scanning!

Security and Accessibility

Security is a top priority for us at 4front. We employ advanced measures to protect your information while ensuring that accessing your accounts remains user-friendly. You can feel confident using our services knowing that your data is safeguarded. Additionally, our e-statements offer a paperless option that not only keeps your information organized but also helps the environment. You can view your statements anytime through our secure online portal.

Financial Strength

A Growing Community

We currently have a robust member base with 210,645 total share accounts. This shows that more people trust us with their finances every day. Additionally, our net shares stand at $4,932,907, highlighting funds available for lending and investments. 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 1960 Us Highway 31 S Manistee Mi 49660 or call (231) 723-8303 to learn more about how we can help you achieve your financial goals.

Commitment to 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 with $19,721 in used auto loans and $749,321,675 in total loans and leases. Our impressive $2,249,754 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. 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.

Secure Savings Options

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.

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 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process and find the right solution for your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our dedicated team will work with you to tailor a solution that fits your business objectives.

Credit Lines

For those needing extra flexibility, our credit lines amounting to $350,360,556 provide access to funds when you need them most. This option is ideal for unexpected expenses or planned projects that may require additional resources.

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 provide various options tailored to meet your needs and ensure you feel confident throughout your home-buying journey.

Refinancing Options

If you're already carrying debt but want relief from high-interest rates or better terms, ask about our refinancing options available for various loan types. We are committed to helping you save money and improve your financial situation. For any questions regarding our loan offerings or if you're ready to apply, please reach out to us at (231) 723-8303 or visit us at our location: 1960 Us Highway 31 S Manistee Mi 49660 in Manistee, 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. At 4front, we're here for all your lending needs!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. These cards come with competitive rates and rewards that can benefit you as you make purchases.

Loan Aggregator

Ensuring Accurate Comparisons

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4Front