4Front Traverse City MI Credit Union | Quick Personal Loans & Checking Accounts

Introduction

Welcome to 4Front, your trusted partner in financial services located at 3745 N Us Highway 31 S, Traverse City, MI 49684. Established in 1954, we have proudly grown to serve a thriving community of over 104,679 members, providing them with personalized banking solutions and support. With total assets reaching an impressive $1,060,335,235, we are committed to fostering financial health and stability for our members. At 4Front, we understand that each member's journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Our dedicated team, led by CEO Andrew Kempf and Board President Todd Rohrback, ensures that you receive the best service possible. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P. O. Box 795, Traverse City, MI 49685-0795. We invite you to connect with us through our website 4frontcu.com or give us a call at 231-929-2000. With total deposits amounting to $46,867,236 and a net worth of $98,065,732, we are not just another credit union; we are a part of your community dedicated to helping you achieve your financial goals. Join us today and experience the difference that local trust can make in your banking experience!

Branch History & Mission

A Legacy of Growth

Located at 3745 N Us Highway 31 S, our branch is easily accessible for locals and visitors alike. As you drive by, you'll notice not just a building, but a beacon of support and empowerment for our community. Our branch has seen numerous milestones along the way, from expanding services to embracing digital banking solutions that make managing finances easier than ever. While members can visit us at 3745 N Us Highway 31 S Traverse City Mi 49684, official correspondence should be sent to P. O. Box 795, Traverse City, MI 49685-0795. We strive to keep our services as convenient and user-friendly as possible.

Community Connections

Our outreach efforts go hand-in-hand with our financial products. We actively engage in community events and programs that promote financial literacy and support local businesses. It's not just about transactions; it's about building lasting relationships that benefit everyone involved. As we move forward, we invite you to join us at 4front where your financial future matters! Experience firsthand the difference that comes from being part of a member-focused credit union dedicated to serving you better every day. Contact us at (231) 929-2000 or visit our website at 4Front Credit Union to learn more about how we can help you achieve your financial goals today!

Our Mission

At the heart of 4front lies our commitment to improving the lives of those we serve. Our mission goes beyond just providing personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards; it includes fostering a strong sense of community. We believe in supporting local initiatives and partnerships that uplift our neighbors. We also focus on accessibility ensuring that all members can take advantage of our services through ADA-compliant facilities and digital options like online banking and mobile payments. Whether it's through our ATM availability or assisting you with your personal loans and debt consolidation needs, we are dedicated to providing outstanding service every step of the way.

Branch Location & Accessibility

Easy Access and Parking

Our branch offers ample parking, making it simple for you to stop by for any banking needs. We are proud to be ADA compliant, ensuring accessibility for all members of our community. Whether you're walking in or using a wheelchair, we've got you covered!

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why our lobby hours are tailored to fit your needs. Join us Monday through Friday from 9:00 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm. If you're on the go, our Interactive Teller Machine (ITM) is available from 7:00 am to 7:00 pm on weekdays and Saturday from 9:00 am to 2:00 pm perfect for those who prefer quick transactions outside of regular hours!

Services at Your Fingertips

At the 4Front branch, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Need cash? You'll find an ATM right here too! Although we don't have drive-thru banking at this location, our friendly staff is always ready to assist you inside. We invite you to come by and experience our welcoming atmosphere firsthand. Whether you're a long-time member or looking to join our credit union family, we're excited to help you achieve your financial goals. Feel free to give us a call at (231) 929-2000 if you have any questions before your visit!

Member Eligibility

Becoming a member of 4front is like joining a family that cares about your financial well-being. If you're looking to connect with a community that puts you first, we would love to welcome you! Membership is open to anyone who lives, works, worships, or attends school in the vibrant area around us, which includes Traverse City and its surroundings. This means if you call this beautiful region home or spend significant time here, you can easily become part of our supportive network. You can learn more about the specific eligibility details by visiting our website at . Joining is simple and straightforward. Just swing by our branch located at 3745 N Us Highway 31 S Traverse City Mi 49684, or give us a call at (231) 929-2000 for any questions you might have. When you're ready to take the next step, you can start the account opening process online through this link: https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2zsr2eq8m9isazpzs7hek6gbzedv0gj4qjufrdtm36okhvur-f5_bw8nkke_9vrhzibfs4k3upm7ix4-scpyx2fa0gpbtsdsjch_viv5i4d. At 4front, we're excited to help you reach your financial goals while enjoying the benefits of being part of our community-focused credit union!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In today's fast-paced market, efficient payment processing can make a world of difference. Our merchant services help you accept payments seamlessly, whether in-store or online. This means happier customers and smoother transactions for your business. You can focus on what you do best running your business while we take care of the financial details. Visit us at 3745 N Us Highway 31 S Traverse City Mi 49684 in Traverse City, MI, or give us a call at (231) 929-2000 to learn how our business banking and commercial services can empower your growth.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans provide flexible financing solutions that can help you drive away in the vehicle of your choice. With attractive rates and personalized service, we guide you through the process so you can focus on what matters most enjoying the ride.

Business Banking

For our business members, we offer robust banking solutions, including merchant services and business loans. We understand that running a business comes with challenges, which is why we provide personalized support to help you thrive in today's market.

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can bring you closer to exciting benefits. Think about earning cash back or travel points just for using your card for everyday purchases it's our way of saying thank you for being a valued member.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why 4front provides comprehensive online and mobile banking services. Check balances, make transfers, pay bills, and even send money to friends all from the comfort of your home or on-the-go. Plus, our ATM services ensure easy access to cash whenever you need it. We invite you to explore these services and more at Us31. If you're ready to take control of your financial future or have questions about any of our offerings, don't hesitate to reach out! Call us at (231) 929-2000, or visit us at 3745 N Us Highway 31 S Traverse City Mi 49684 we're here to help!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans. Whether you're buying your first home or refinancing an existing mortgage, we offer competitive rates and a straightforward application process. Imagine settling into your dream home while knowing you have a trustworthy partner supporting you every step of the way.

Personal Banking

We offer a variety of personal banking options, including checking and savings accounts designed to fit your lifestyle. Imagine easily managing your finances online or through our mobile app, making it simple to track your spending and savings goals. Our members enjoy competitive interest rates and low fees, ensuring that every dollar counts.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans are here to help you manage those situations with ease. From consolidating debt to funding personal projects, we work with you to find the best solution that fits your budget.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.4frontcu.com, you can manage your accounts 24/7 from the comfort of your home or on the go. Whether you're checking balances, transferring funds, or paying bills, everything is just a few clicks away. Our user-friendly interface ensures that even those who are new to online banking will find it simple to navigate. For added convenience, we provide electronic signature authorization, allowing you to complete important transactions quickly and securely without needing to visit a branch. Plus, with e-statements available, you can stay organized by accessing your financial statements digitally whenever you need them.

Mobile Banking Features

Our mobile application brings banking right to your fingertips. With features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases is straightforward and hassle-free. You can also take advantage of our secure mobile payment options to make transactions directly from your smartphone.

Security and Accessibility

At 4front, we prioritize your security. Our online banking services utilize advanced security measures to protect your information. You can rest easy knowing that your financial data is safeguarded while you enjoy the flexibility of real-time account management. In summary, whether you're looking for quick access through our mobile app or reliable services via our website at https://www.4frontcu.com, 4front is here to support all your banking needs in a safe and convenient manner. Enjoy the freedom of modern banking with us!

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 supports your financial goals across various sectors with $19,721 in used auto loans and $749,321,675 in total loans and leases.

Growing Trust

We proudly serve a growing member base with 210,645 total share accounts. This number showcases the trust that our community places in us as their financial 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 3745 N Us Highway 31 S Traverse City Mi 49684 or call (231) 929-2000 to learn more about how we can help you achieve your financial goals.

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in 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.

Solid Foundation

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

Additional Financing Options

In addition to auto and mortgage loans, we provide various other financing options. If you're a business owner looking for support, our outstanding commercial loans totaling $122,490,114 can provide the capital needed to grow and expand your business. If you're interested in refinancing any existing loans or exploring eligibility options for our products, please don't hesitate to reach out. Our team is here to assist you every step of the way. For more information about our loan offerings or to speak with one of our representatives, please call us at 231-929-2000 or visit us at 3745 N Us Highway 31 S Traverse City Mi 49684. You can also learn more online at 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 future 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. Whether you're eyeing a brand-new model or a reliable used car, our financing options are designed to fit your budget.

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 flexible terms to help you secure your dream home without the hassle often associated with mortgages.

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 can be an excellent tool for building credit while giving you access to funds when needed.

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). This commitment ensures that users receive fair and transparent offers without any hidden agendas. By pulling data from trusted sources, LendMesh provides a solid foundation for making informed decisions.

Take Action Today

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.

4Front