4Front Petoskey MI Credit Union | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to 4Front, your trusted financial partner located at 1633 Us Highway 131, Petoskey, MI 49770. Established in 1954, we have proudly served our community for decades, growing to support over 104,679 members with a strong commitment to their financial well-being. With total assets exceeding $1 billion and total deposits of $46,867,236, we are dedicated to providing secure and reliable banking solutions tailored to your needs. At 4Front, our mission is simple: we strive to empower you with the tools and resources needed to achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business banking services, our friendly team is here to help. Our CEO, Andrew Kempf, alongside Board President Todd Rohrback, leads a dedicated staff of 289 employees who are passionate about making a positive impact in your financial journey. While members can visit us at our branch address, official correspondence should be sent to our mailing address at PO Box 795, Traverse City, MI 49685. With a solid net worth of $98,065,732 and cash reserves totaling $15,364,200, you can feel confident that your finances are in good hands. We invite you to explore all that we offer by visiting our website at 4frontcu.com or calling us at 231-547-4483. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

At 4Front, we take pride in our rich legacy and commitment to serving the community. Established in 1954, our branch has grown alongside the vibrant city of Petoskey, Michigan, where we are located at 1633 Us Highway 131. Over the decades, we have evolved into a trusted financial partner for many families and businesses in the area. From our humble beginnings, we have steadily expanded our services to meet the changing needs of our members. Today, with a total membership of over 104,679, we manage assets totaling more than $1,060,335,235. Our growth reflects not just our dedication to providing excellent financial products but also our focus on building lasting relationships with our members. Our mission is clear: to empower individuals and strengthen communities through accessible financial services. We offer a range of personal banking options including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Each service is designed with your needs in mind, ensuring that we can support you at every stage of your financial journey. While members can visit us at 1633 Us Highway 131, official correspondence should be sent to PO Box 795, Traverse City, MI 49685. Our operating hours are convenient for you: Monday through Friday from 9:00 AM to 5:30 PM, with Interactive Teller Machines (ITMs) available from 7:00 AM to 7:00 PM on weekdays and from 9:00 AM to 2:00 PM on Saturdays. As part of our commitment to accessibility and innovation, we offer features like online banking and mobile payments. Our branch is equipped with an ATM for easy access to your funds; however, please note that we do not currently provide drive-thru banking or shared service centers. At 4Front, community involvement is integral to who we are. We actively engage in local outreach efforts and partnerships that foster economic growth and enhance quality of life in Petoskey and beyond. Join us as we continue this journey together! Experience the benefits of being part of a credit union that genuinely cares about your financial well-being and community prosperity. Visit us today or call us at 231-547-4483 for more information on how you can become a member of 4Front!

Branch Location & Accessibility

Convenient Access

At 4Front, we understand that accessibility matters. Our branch offers ample parking and features that comply with ADA standards, ensuring everyone can access our services without hassle. While you're here, take advantage of our ATM for quick cash withdrawals or balance checks. Though we do not have drive-thru service at this location, we're committed to providing a welcoming lobby experience during our operating hours.

Operating Hours

Our lobby is open Monday through Friday from 9:00 AM to 5:30 PM, making it convenient for you to stop by after work or during your lunch break. If you need assistance outside of these hours, our Interactive Teller Machines (ITMs) are available from 7:00 AM to 7:00 PM on weekdays and from 9:00 AM to 2:00 PM on Saturdays.

Stay Connected

Need assistance? Don't hesitate to reach out! You can give us a call at 231-547-4483 for any inquiries or information about our services. While members can visit us at our branch address for transactions and consultations, official correspondence should be sent to PO Box 795 in Traverse City if necessary. We invite you to visit us soon and explore the range of personal banking services we offer from checking accounts to auto loans and everything in between. At 4Front, we look forward to serving you!

Member Eligibility

At 4front, we believe that everyone deserves a place to thrive financially, and becoming a member is your first step into our welcoming community. Membership eligibility is open to anyone who lives, works, or worships in our local area, making it easy for you to join us at our branch located at 1633 Us Highway 131 Petoskey Mi 49770. This inclusivity means that whether you're starting your financial journey or looking for a supportive partner in managing your finances, we're here for you. To learn more about the specific eligibility criteria, feel free to check out this link for detailed information. Joining 4front not only grants you access to a wide range of financial services but also connects you with fellow members who are part of a caring and engaged community. The process of opening an account is straightforward and can be done online; just visit this page to get started. If you have any questions along the way, don't hesitate to reach out at (231) 547-4483 we're excited to welcome you aboard!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced market, having reliable merchant services is crucial. Imagine being able to accept payments effortlessly while managing your cash flow with real-time insights. Our merchant services empower you to focus on what truly matters growing your business. From card processing to online payment solutions, we provide the tools needed to keep your operations running smoothly. Located conveniently at 1633 Us Highway 131 Petoskey Mi 49770, Petoskey, MI MI, we are here to help you navigate the financial landscape of your business. Reach out to us at (231) 547-4483 to learn more about how we can partner with you for success!

Tailored Loan Solutions

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

Business Banking Services

Small business owners will find valuable support through our business banking services. From merchant services that simplify payment processing to business loans designed to fuel growth, we understand what it takes to run a successful operation. We pride ourselves on being more than just a bank; we're a partner invested in your success.

Call Us Today!

We invite you to explore all that 4front has to offer! For any questions or assistance, don't hesitate to reach out at (231) 547-4483. Our dedicated staff is ready and eager to assist you with any financial needs you may have. Experience the difference of personalized service at Petoskey South today!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why 4front offers robust online and mobile banking options that allow you to manage your finances from anywhere at any time. Need to check your balance? Make a transfer? Or deposit checks? All these tasks are just a few taps away on our user-friendly app. Additionally, with ATM availability right at your fingertips, withdrawing cash has never been easier.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of checking and savings accounts that cater to different lifestyles and financial goals. Imagine having easy access to your funds while earning interest on your savings this is exactly what we provide. Our auto loans and vehicle financing options make it simple for you to hit the road in a new or used car without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans come with competitive rates and flexible terms tailored just for you. For those times when life throws unexpected expenses your way, our personal loans can help ease the burden. Whether you're consolidating debt or covering medical bills, we've got you covered. Plus, with our credit cards featuring rewards programs, you can earn points on everyday purchases that lead to exciting perks.

Digital & Online Banking

Real-Time Account Management

Managing your accounts is now easier than ever. With real-time updates and notifications through our mobile app, you'll always know where your money is going. Whether you're checking balances or reviewing recent transactions, everything is just a few clicks away. At 4front, we strive to make banking as simple as possible so that you can focus on what truly matters in life. Join us today and experience the ease of digital banking!

User-Friendly Features

Security is a top priority for us. You can rest assured knowing that your transactions are safe with electronic signature authorization available for key documents. This feature simplifies processes while keeping your information secure. If you're always on the go, our mobile application has got you covered! It supports mobile payments, allowing you to make purchases with just a tap on your phone. You can also send money to friends and family effortlessly with our person-to-person transfer feature.

Financial Strength

At 4front, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to feel confident in your financial partner, which is why we are proud to share insights into our strong financial health. With a net worth of $98,065,732, we maintain robust 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. 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. Our commitment to your success is also reflected in our $70,949,059 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $19,721 in used auto loans and $749,321,675 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is highlighted by our $2,249,754, 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. Net Shares (Funds available for lending and investments): $4,932,907. Total Share and Deposit Accounts: 210,645, showing a strong and growing member base that trusts us with their finances. 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 1633 Us Highway 131 Petoskey Mi 49770 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.*

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 easy to understand, so you can drive away knowing you made a smart choice.

Business Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand your business. We recognize that every business has unique needs, and our team is ready to support you through customized lending solutions.

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 work closely with you to find the best fit for your situation and ensure the process is as smooth as possible.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, we have various eligibility options available. Our experts can guide you through the process and help determine if refinancing can save you money or improve your cash flow. 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 invite you to reach out to us at (231) 547-4483 or visit us at 1633 Us Highway 131 Petoskey Mi 49770 in Petoskey, MI, where our dedicated team is ready to assist you in finding the right loan solution tailored for your needs.

Unsecured Credit Cards

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 benefits that can enhance your purchasing power without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan 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 sourcing guarantees that users receive fair and transparent offers tailored to their needs. By working exclusively with legitimate financial institutions, LendMesh upholds a high standard of accuracy in its comparisons.

4Front