4Front Sault Sainte Marie MI Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to 4Front at Sault Sainte Marie, where your financial success is our top priority! Located at 2701 I 75 Business Spur, Sault Sainte Marie, MI 49783, we are proud to have been serving our community since 1954. With a strong commitment to providing exceptional member service, we've grown to support over 104,679 members and manage assets totaling $1,060,335,235. At 4Front, we understand that every member has unique needs. That's why we offer a range of services tailored just for you, including personal banking options like checking and savings accounts, auto loans, mortgages, and even business banking solutions. Whether you're looking to save for a home or finance a new vehicle, our team is here to help guide you on your financial journey. Our leadership team is dedicated to ensuring that every member feels valued and supported. Led by CEO Andrew Kempf and Board President Todd Rohrback, our experienced staff of 289 employees is ready to assist you with any questions or concerns. While members can visit us at 2701 I 75 Business Spur, official correspondence should be sent to our mailing address: P.O. Box 795, Traverse City, MI 49685. With total deposits of $46,867,236 and a net worth of $98,065,732, we are financially sound and ready to serve your needs effectively. Our commitment to the community goes beyond just numbers; it's about building lasting relationships with our members. Ready to experience the 4Front difference? Give us a call at 231-929-2000, or feel free to visit our website at 4frontcu.com for more information. We look forward to welcoming you into our family!

Branch History & Mission

At 4Front, we are proud of our journey that began in 1954. Since then, our branch in Sault Sainte Marie, MI has been a cornerstone of the community, fostering financial growth and support for our members. With a commitment to serving those around us, we have grown alongside our community, now boasting a total membership of over 104,679 members. Our branch is located at 2701 I 75 Business Spur, Sault Sainte Marie, MI 49783. This accessible location is not just a point on the map; it's where relationships are built and dreams are nurtured. While members can visit us at this address, official correspondence should be sent to P.O. Box 795, Traverse City, MI 49685. The mission of 4Front is straightforward yet powerful: to provide exceptional financial services while positively impacting our community. We believe in empowering individuals by offering products such as personal banking options, auto loans, mortgage loans, and business banking solutions. Our goal is to ensure that everyone has access to the resources they need for financial stability and success. Over the years, we have adapted to the changing times by integrating digital advancements that make banking easier and more accessible for everyone. From online banking to mobile payments, we prioritize your convenience while ensuring compliance with ADA standards so that all members can access our services without barriers. Our commitment doesn't stop with financial services; it extends into community support through various partnerships and outreach initiatives. Whether it's sponsoring local events or providing educational workshops on financial literacy, we strive to make a meaningful impact in Sault Sainte Marie. We invite you to experience the benefits of being part of our family at 4Front. With total assets exceeding $1 billion, we're not just a credit union; we're a trusted partner in your financial journey. Our operating hours are designed for your convenience: Lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, with extended drive-thru hours available. Ready to take the next step? Join us today and discover how 4Front can help you achieve your financial goals. For any inquiries or assistance, feel free to reach us at 231-929-2000. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At 4Front, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can navigate the space comfortably. You'll find ample parking available, including designated spots for those with disabilities. We also have ramps and other features that make accessing our services hassle-free.

Nearby Landmarks

Our branch is situated near the bustling heart of Sault Sainte Marie, close to popular landmarks that make it easy to find us. Just off the I-75 corridor, we're ideally positioned for both local residents and those passing through the area. Whether you're stopping by after a visit to the nearby parks or on your way to the waterfront, we look forward to welcoming you!

Operating Hours

We want to be there for you when you need us! Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, with extended drive-thru hours on weekdays from 8:30 AM to 5:30 PM (and until 6:00 PM on Fridays). We even open on Saturdays from 9:00 AM until noon for your convenience.

Services Offered

At our Sault Sainte Marie branch, we offer a variety of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here to help. You can also take advantage of our online and mobile banking services for added convenience. Plus, with an ATM on-site and drive-thru services available for quick transactions, managing your finances has never been easier. We invite you to visit us or give us a call at 231-929-2000 if you have any questions or need assistance. Our friendly team is ready to assist you with all your banking needs!

Member Eligibility

At 4front, we believe that everyone deserves access to financial services that empower them. Becoming a member is straightforward and welcoming, especially if you live, work, or worship in our community. We invite individuals who meet specific eligibility criteria to join our family. You can check all the details about who qualifies by visiting this link: . Joining us not only gives you access to a variety of financial products but also connects you with a supportive community dedicated to helping you achieve your financial goals. Opening an account is as easy as pie! Just head over to 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) 929-2000 if you have any questions or need assistance. Our friendly team is here to guide you every step of the way. We're located at 2701 I 75 Business Spur Sault Sainte Marie Mi 49783, ready to welcome you into the 4front family!

Business Banking & Commercial Services

Loan Options for 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.

Merchant Services That Make Life Easier

In addition to loans, our merchant services are designed to streamline your operations. Imagine being able to process transactions seamlessly while managing cash flow more effectively. Whether you run a brick-and-mortar shop or an online business, our services help you accept payments effortlessly, ensuring that you can focus on what you do best serving your customers. Visit us at 2701 I 75 Business Spur Sault Sainte Marie Mi 49783 in Sault Sainte Marie, MI, or call us at (231) 929-2000 to learn how we can support your business today!

Comprehensive List Of Services

Accessible Drive-Thru & ATM Services

We know that sometimes you just need a quick visit. Our basic drive-thru banking provides a straightforward way to handle deposits, withdrawals, and simple transactions efficiently. Plus, with our ATM availability, you can access your funds whenever you need them without any fuss. At 4front, we're more than just a credit union; we're a community partner committed to helping you thrive financially. If you're ready to explore how we can assist with your financial journey or have any questions about our services, don't hesitate to reach out! Call us at (231) 929-2000 or visit us at https://www.4frontcu.com today! Your financial future starts here!

Business Banking Services

For business owners, we offer specialized banking services that cater to your unique requirements. Our business banking includes merchant services and business loans designed to support both small startups and established enterprises. We understand that running a business is challenging, so our aim is to simplify your financial transactions and help you focus on what matters most growing your business.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why 4front offers robust online and mobile banking features that let you manage your finances anytime, anywhere. With easy access to account balances, transaction history, and secure payment options through mobile payments, banking has never been simpler. Additionally, our ATM services allow for quick cash withdrawals and balance checks without the hassle of long lines.

Personal Banking Solutions

Our personal banking services are designed with your lifestyle in mind. From checking and savings accounts that help you manage your daily finances to auto loans and vehicle financing options, we make it easy for you to achieve your goals. If you're considering buying a home, our mortgage loans and refinancing options provide flexibility and competitive rates. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation solutions can offer the relief you need.

Digital & Online Banking

Convenient Services at Your Fingertips

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills on your schedule. You no longer need to rush to the bank during business hours; everything is just a few clicks away. Plus, with our mobile application, you can carry your credit union in your pocket, giving you easy access to all your accounts.

Going Green with E-Statements

Say goodbye to paper clutter! With e-statements available, you can view and download your account statements online whenever you need them. It's not only eco-friendly but also helps keep your financial records organized and accessible.

Instant Transfers Made Simple

Need to send money to a friend or family member? Our person-to-person transfer feature makes it easy to send funds directly from your account without hassle. Additionally, if you're on the go, our mobile payments option lets you make secure purchases right from your smartphone. In summary, 4front is committed to providing modern banking solutions that are both user-friendly and secure. Join us today and experience the ease of managing your finances digitally!

Security and Ease of Use

Your safety is our top priority. We use advanced security measures to ensure that your information remains protected while you bank online. You can also take advantage of electronic signature authorization for added convenience when signing documents no more printing and mailing forms!

Financial Strength

Commitment to Innovation

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 robust; we have $19,721 in used auto loans and $749,321,675 in total loans and leases available to support your financial goals across various sectors.

Member Trust

Total Share Accounts: 210,645 shows a strong and growing member base that trusts us with their finances. This trust reflects our commitment to providing excellent service while maintaining financial strength. In conclusion, 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 2701 I 75 Business Spur Sault Sainte Marie Mi 49783 or call (231) 929-2000 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.

Operational Efficiency

Our operational efficiency is highlighted by our $2,249,754, which enables 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.

Our 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.

Secure Savings Opportunities

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.

Loan Offering

Additional Financing Options

For those looking for additional support, our total credit lines amount to $350,360,556, allowing you more flexibility when managing your expenses. Furthermore, for business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. If you're considering refinancing any existing loans or want to know more about eligibility options, feel free to reach out. Our team is dedicated to helping you find the right solution tailored specifically for you. For further information about our loan offerings or any questions you may have, please contact us at (231) 929-2000, visit us at our branch located at 2701 I 75 Business Spur Sault Sainte Marie Mi 49783, Sault Sainte Marie, MI, or check out our website at https://www.4frontcu.com. 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 today!

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 for both new and used vehicles, ensuring you can drive away with confidence.

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 purchasing your first home or refinancing an existing mortgage, our team is here to guide you through every step of the process.

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 cards are designed to help you build credit while enjoying the convenience of access to funds when you need them most.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, users can navigate the complex world of loans with confidence, ensuring they make informed decisions. LendMesh ensures accurate loan comparisons through a rigorous sourcing process. Loan data on LendMesh is obtained 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 to working with credible lenders guarantees that users receive fair and transparent offers. One significant advantage of using LendMesh is the Verified Data feature. Loan offers are sourced from legitimate financial institutions, assuring transparency in every comparison. Additionally, LendMesh does not include sponsored listings; lenders are not prioritized based on paid promotions. This means that users can trust they are getting unbiased results without any hidden agendas. Another essential benefit is the Real-Time Rate Comparisons feature. Users have access to up-to-date loan rates from multiple institutions, which helps them make well-informed choices tailored to their financial needs. Thousands of users have already trusted LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To experience these benefits firsthand, 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.

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