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

Introduction

Welcome to 4Front, your trusted financial partner located at 2215 E Mitchell Rd, Petoskey, MI 49770. Since opening our doors in 1954, we've proudly served our community with a commitment to providing personalized banking solutions tailored to meet the needs of our 104,679 members. Our mission is simple: to help you achieve your financial goals while fostering a sense of community and belonging. At 4Front, we understand that every member's journey is unique. That's why we offer a variety of services, including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. With total assets of $1,060,335,235 and total deposits reaching $46,867,236, we ensure that your money is secure and accessible whenever you need it. Our dedicated team of 289 employees, led by our CEO Andrew Kempf and Board President Todd Rohrback, is here to support you every step of the way. Whether you're looking for financial advice or planning for your future, our knowledgeable staff is ready to assist you. While members can visit us at our Petoskey location for all their banking needs, official correspondence should be sent to our mailing address at PO Box 795, Traverse City, MI 49685. We take pride in being more than just a credit union; we are part of the Petoskey community. We strive to make a positive impact by offering competitive loans currently totaling 57,198 and maintaining a strong net worth of $98,065,732. As part of our commitment to service excellence, we also provide online and mobile banking options for added convenience. If you're ready to experience the difference that comes with being a member of 4Front Credit Union, don't hesitate to reach out! Call us today at 231-547-4483 or visit our website at 4frontcu.com for more information on how we can help you build a brighter financial future. Join us as we continue to grow together!

Branch History & Mission

Welcome to the heart of our community, where the legacy of 4front has been thriving since we opened our doors in 1954. Located at 2215 E Mitchell Rd Petoskey Mi 49770 in beautiful Petoskey, MI, we have grown alongside our members, nurturing relationships and providing exceptional financial services. Today, with over 104,679 proud members and total assets exceeding $1,060,335,235, we stand as a testament to what a dedicated credit union can achieve. Since our founding, we have committed ourselves to not only offering traditional banking services but also fostering community spirit. Our mission is simple yet impactful: to empower our members through financial education and support while giving back to the communities we serve. We believe that when our members succeed, our entire community thrives. This mission drives us each day as we strive to make a difference in the lives of those around us. Our branch is more than just a place for transactions; it's a hub for connection and growth. While you can visit us at 2215 E Mitchell Rd Petoskey Mi 49770, any official correspondence should be sent to PO Box 795, Traverse City, MI 49685. We're easily accessible, located near key landmarks in Petoskey, making it convenient for you to drop by. At 4front, we have embraced innovation to better serve you. Our commitment to ADA compliance ensures that everyone can access our services comfortably. Plus, with the availability of ATMs and comprehensive online and mobile banking options, managing your finances has never been easier or more secure. We take pride in building strong partnerships within the community. Through various outreach efforts and programs, we've supported local initiatives that uplift those in need and promote financial literacy among all ages. As we look ahead, we invite you to join us on this journey. Explore how 4front can help you achieve your financial goals whether it's securing an auto loan, refinancing your mortgage, or simply opening a new checking account. Come visit us during our operating hours from 9:00 AM to 5:00 PM Monday through Friday or reach out at (231) 547-4483. Experience firsthand the benefits of being part of a community-focused credit union where your success is our priority. Join us today at https://www.4frontcu.com and let's build a brighter future together!

Branch Location & Accessibility

Welcome to 4Front, your friendly neighborhood credit union located at 2215 E Mitchell Rd in beautiful Petoskey, MI! Nestled conveniently near local landmarks, our branch is easy to find and access. Whether you're coming from downtown or nearby areas, we're just a short drive away, making it simple for you to manage your banking needs. At 4Front, we prioritize your convenience. Our branch features accessible parking and ADA-compliant entryways to ensure everyone can visit us comfortably. While members can drop by for in-person services at our main location, if you need to send any official correspondence, please use our mailing address: PO Box 795, Traverse City, MI 49685. We're open Monday through Friday from 9:00 AM to 5:00 PM, so you can stop by after work or during your lunch break. If you're looking for extended hours, our Interactive Teller Machines (ITMs) are available until 7:00 PM on weekdays and from 9:00 AM to 2:00 PM on Saturdays. For those who prefer digital banking, we offer online and mobile banking options that make managing your accounts even easier. Plus, with ATM availability right here at the branch, you can quickly withdraw cash or check your balance anytime. While we don't have a drive-thru service at this location, our staff is always ready to assist you inside the branch. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. If you have any questions or need assistance, feel free to give us a call at 231-547-4483. We're excited to help you achieve your financial goals! Come visit us today and experience the friendly service that sets us apart!

Member Eligibility

Becoming a member of 4front is like stepping into a welcoming community that's focused on your financial well-being. To join us at our branch located at 2215 E Mitchell Rd Petoskey Mi 49770, you simply need to meet a few friendly eligibility requirements. Typically, anyone who lives, works, or attends school in our service area is welcome to apply. We believe in inclusivity and want to make sure that everyone has access to the benefits we offer, from competitive loan rates to personalized banking services. For more detailed information on who can join us, feel free to check out our eligibility page at . Opening an account with us is straightforward! All it takes is a visit to our website where you'll find an easy application process outlined at 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 give us a call at (231) 547-4483. We're excited to have you join the 4front family, where your financial goals are our priority!

Business Banking & Commercial Services

Practical Merchant Services

Imagine seamlessly processing payments while keeping your cash flow steady. Our merchant services empower businesses to accept various payment methods, enhancing customer convenience and satisfaction. By simplifying transactions, we help you focus on what you do best running your business. Visit us at 2215 E Mitchell Rd Petoskey Mi 49770 in Petoskey, MI, or call us at (231) 547-4483 to learn more about how our tailored solutions can elevate your business today!

Supporting Your Business Growth

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

Call Us Today!

Whether you're starting out on your financial journey or looking for ways to enhance it, we're here for you! Reach out at (231) 547-4483 or visit us at Petoskey North today. Let's work together towards achieving your financial goals!

Convenient Access Anytime

To ensure you have easy access to your funds, our ATM services allow for quick cash withdrawals and balance checks without any hassle. With online and mobile banking capabilities at your fingertips, managing your accounts has never been more convenient.

Financing Your Dreams

When it comes to financing, we provide auto loans and vehicle financing options that can help you hit the road in style without breaking the bank. Picture yourself driving home in that new car you've always wanted our competitive rates make it possible. Additionally, if you're considering buying a home or refinancing an existing mortgage, our mortgage loans are here to help make that dream a reality.

Personal Banking Made Easy

Starting with personal banking, we offer checking and savings accounts designed to fit various lifestyles. Imagine having a place where your money can grow while being easily accessible whenever you need it. Our accounts come with user-friendly online and mobile banking features, allowing you to manage your finances right from your smartphone or computer.

Simplifying Borrowing

Need extra cash? Our personal loans can assist you in consolidating debt or covering unexpected expenses. With flexible terms and straightforward processes, borrowing from us is as easy as pie. Plus, don't forget about our credit cards with rewards; they not only help you manage spending but also earn points for the things you love.

Supporting Your Business

If you're a business owner, our business banking services have everything you need from merchant services that simplify transactions to business loans that help your company grow. We understand the unique challenges businesses face and are committed to supporting your journey.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You won't have to worry about missing out on important transactions; everything is just a click away. Plus, with our electronic signature authorization, signing documents has never been simpler or safer. If you prefer to manage your finances on the go, our mobile application offers all the features you need right in your pocket. You can easily make person-to-person transfers, making it simple to send money to friends and family without the hassle of cash or checks. And for those who love keeping things paperless, e-statements are available so you can view your account statements quickly and securely.

Security and Accessibility

Your security is our top priority. We utilize advanced encryption technology to protect your personal information while ensuring an easy-to-navigate experience. Our mobile payments feature allows you to make purchases directly from your phone, providing an added layer of convenience without sacrificing safety. With 4front, managing your money is straightforward and efficient. Whether you're at home or on the go, our digital banking tools empower you to take control of your financial life like never before. Join us today and experience banking that fits your lifestyle!

Financial Strength

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 is substantial with $19,721 in used auto loans and $749,321,675 in total loans and leases supporting our members' financial goals across various sectors.

Member-Focused 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 $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. Total Share and Deposit Accounts stand at 210,645, showing a strong and growing member base that trusts us with their finances.

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.

Your Trusted Partner

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 2215 E Mitchell Rd Petoskey Mi 49770 or call (231) 547-4483 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. We've already provided over $237,838,745 in used vehicle loans and $20,545,890 in new vehicle loans, helping members get on the road with confidence. Whether you're considering financing for a new or used vehicle, our knowledgeable team is here to guide you through the process. We also have refinancing options available if you're looking to lower your monthly payments or adjust your loan terms.

Business Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. We are committed to supporting local businesses and understand the unique challenges they face. At 4front, we are dedicated to providing personalized service and financial solutions that work for you. If you have any questions or need assistance with applying for a loan, don't hesitate to reach out! You can contact us at (231) 547-4483, visit us at 2215 E Mitchell Rd Petoskey Mi 49770, or explore our offerings online at our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 know how important it is to have a comfortable living space, and our mortgage specialists will work with you to find the right solution that fits your financial 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. These credit cards can be an excellent tool for everyday purchases or emergencies without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you receive is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see all available options without any hidden agendas. - Real-Time Rate Comparisons: By offering up-to-date loan rates from multiple institutions, LendMesh empowers users to make informed decisions that best fit their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the tool's effectiveness in helping individuals navigate their borrowing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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). This commitment ensures fair and transparent offers. Each loan listing is updated regularly to reflect current rates, helping users avoid outdated information that could lead to poor financial choices.

4Front