4Front Traverse City MI Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to 4Front, your trusted financial partner located at 3323 S Airport Rd W, Traverse City, MI 49684. Since our establishment in 1954, we have proudly served the community, growing alongside our members and fostering a spirit of collaboration and support. With over 104,679 members and assets totaling $1,060,335,235, we are committed to providing exceptional financial services tailored to your needs. At 4Front, we understand that navigating your financial journey can be challenging. That's why we offer a wide range of services designed to simplify banking for you from personal checking and savings accounts to auto loans and mortgage options. We also provide business banking solutions, ensuring that both individuals and businesses can thrive. 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. Our dedicated team is here to assist you with any inquiries you may have. You can reach us at 231-929-2010 or explore more about us on our website at www.4frontcu.com. Under the leadership of our CEO, Andrew Kempf, and Board President, Todd Rohrback, we continue to prioritize community impact and member satisfaction. With a solid net worth of $98,065,732 and total deposits amounting to $46,867,236, we ensure that your funds are secure while also providing competitive loan offerings exceeding 57,198 loans and leases. Join us today as we work together toward your financial success! Whether you're looking to open an account or seeking advice on loans, our friendly staff is ready to help you every step of the way. Visit us soon!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to be part of the 4Front family. Experience the difference that comes with being a member-focused credit union where your financial well-being is our top priority. Whether you're looking for personal loans or business banking solutions, we're here to guide you every step of the way. Contact us today at 231-929-2010 or visit our website for more information on how you can join us in building a brighter financial future together!

Our Evolution

Since opening our doors nearly seven decades ago, we've continually adapted to meet the needs of our members. Our journey has been marked by significant milestones, including expanding our range of services and embracing technology to enhance member experience. We now boast total assets of over $1.06 billion, reflecting our commitment to sound financial practices and responsible growth. As we have grown, so too has our dedication to the community. We actively participate in various outreach programs and partnerships that aim to uplift local initiatives and support those in need. Whether it's providing scholarships, sponsoring local events, or supporting small businesses through tailored loans, we strive to make a positive impact every day.

Our Mission

At the heart of 4Front's mission is a commitment to empower our members with the financial tools they need to achieve their goals. We provide a variety of services ranging from personal banking options like checking and savings accounts to auto loans and business financing solutions. Our goal is not just about banking; it's about building lasting relationships within our community. We understand that accessibility matters. That's why we offer online and mobile banking options alongside physical services at our branch. With features like ATM availability for easy cash withdrawals and user-friendly digital platforms, we ensure that managing finances is as convenient as possible for everyone. While members can visit us at 3323 S Airport Rd W, official correspondence should be sent to P.O. Box 795, Traverse City, MI 49685-0795 if you require assistance that needs documentation.

Branch Location & Accessibility

Accessibility and Parking

At 4Front, we prioritize accessibility for all our members. Our branch is fully compliant with ADA standards, featuring ramps and spacious entrances to ensure everyone can access our services comfortably. Plus, we offer ample parking for both regular visitors and those with special needs.

Call to Action

Ready to experience the convenience of banking with 4Front? We invite you to visit us at our Traverse City location or give us a call at 231-929-2010 if you have any questions. Your financial journey starts here!

Operating Hours

We understand that life can be busy, which is why we offer flexible banking hours to fit your schedule. Visit us Monday through Friday from 9 AM to 5:30 PM, or stop by on Saturday between 9 AM and 1 PM for your banking needs. Our staff is always ready to assist you with a smile!

Services Offered

Here at 4Front, we provide a wide range of financial services tailored just for you. From personal banking options like checking and savings accounts to vehicle loans and mortgage refinancing, we have something for everyone. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. While we don't have drive-thru service currently, our team is dedicated to ensuring efficient service inside the branch.

Member Eligibility

At 4front, we believe that everyone deserves the opportunity to be part of a welcoming community that prioritizes your financial well-being. Joining us as a member is straightforward and inclusive! If you're a resident of Michigan, work in the area, or have family members who are already members, you're eligible to become part of our credit union family. We aim to provide support tailored to your unique needs, whether you're looking for personal banking solutions, auto loans, or mortgages. For more detailed information about eligibility criteria, feel free to visit our website at . Ready to take the next step? Opening an account with us is simple! Just follow this link to get started: https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2zsr2eq8m9isazpzs7hek6gbzedv0gj4qjufrdtm36okhvur-f5_bw8nkke_9vrhzibfs4k3upm7ix4-scpyx2fa0gpbtsdsjch_viv5i4d. If you have any questions or need assistance along the way, don't hesitate to call us at (231) 929-2010. Join us at 4front, located at 3323 S Airport Rd W Traverse City Mi 49684, and experience the advantages of being a member today!

Business Banking & Commercial Services

Business 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

Imagine having the tools to accept payments easily and manage transactions without hassle. Our merchant services allow you to focus on what matters most growing your business. From payment processing to point-of-sale systems, we equip you with everything needed to streamline operations. Visit us at 3323 S Airport Rd W Traverse City Mi 49684 in Traverse City, MI or give us a call at (231) 929-2010 to explore how we can support your business journey!

Comprehensive List Of Services

Accessing Your Money

Speaking of access, we provide ATM services that are user-friendly and easily accessible. You can withdraw cash or check balances with basic ATM access whenever you need it. At 4front, we believe in making banking not just easy but enjoyable too. Whether it's personal banking, business solutions, or digital conveniences, our goal is to meet all of your financial needs under one roof. Ready to take the next step? Visit us today at 3323 S Airport Rd W Traverse City Mi 49684 or explore more about our services online at https://www.4frontcu.com. We're excited to partner with you on your financial journey!

Business Banking Solutions

If you're a business owner, we have services just for you too! Our business banking options include merchant services and business loans to help your venture thrive. You can count on us for reliable support that understands the challenges of running a business.

Credit Cards and Rewards

For those who love rewards, our credit cards come with fantastic benefits that can enhance your everyday spending. Imagine earning points on purchases that can be redeemed for exciting rewards!

Digital and Mobile Banking Convenience

We know how important convenience is in today's fast-paced world. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Need to check your balance or transfer funds? With just a few taps on your smartphone, you can handle everything from ATM cash withdrawals to person-to-person payments without stepping foot outside.

Personal Banking Services

When it comes to personal banking, we've got you covered. Whether you're looking to open a checking or savings account, our friendly staff will guide you through the process, ensuring you find the perfect fit for your lifestyle. If you're in the market for a new vehicle, our auto loans and vehicle financing options make purchasing your dream car easy and stress-free. Thinking about buying a home? We offer mortgage loans and refinancing solutions that cater to first-time buyers as well as seasoned homeowners. And if you're facing unexpected expenses or wish to consolidate debt, our personal loans are designed to help you regain control over your finances.

Digital & Online Banking

At 4front, we understand that managing your finances should be easy, safe, and accessible anytime you need it. That's why we offer a robust suite of digital and online banking services designed to meet the needs of our members, no matter where they are. With our online banking platform, available at https://www.4frontcu.com, you can access your accounts 24/7. Whether you're checking balances, transferring funds, or paying bills, our user-friendly interface makes it simple and straightforward. You can also enjoy the convenience of e-statements, allowing you to receive your financial statements electronically no more waiting for the mail! Plus, with electronic signature authorization, signing documents has never been easier or more secure. For those on the go, our mobile application is here to help you manage your finances right from your smartphone. You can make mobile payments easily and securely, ensuring that you're always in control of your spending. Need to send money to a friend? Our person-to-person transfer feature allows you to quickly send funds without any hassle. The security of your information is a top priority for us. We employ advanced security measures to ensure that your personal data remains protected while using our digital services. With all these features at your fingertips, managing your money has never felt so effortless. Join us at 4front and experience how our digital banking solutions can simplify your financial life. Explore more about what we offer today at https://www.4frontcu.com!

Financial Strength

Committed 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. This commitment allows us to adapt quickly to changes while ensuring you have access to the best products available.

Dedicated Team at Your Service

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. Your satisfaction is our priority, and our staff is here to help you navigate your financial journey.

Growing Together

Our financial strength means we can continue serving you with confidence. With total share accounts reaching 210,645, it's clear that more people are trusting us with their finances every day. Whether you're saving, borrowing, or planning for the future, 4front is your trusted partner. Visit us at 3323 S Airport Rd W Traverse City Mi 49684 or call (231) 929-2010 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.

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.

Solid Financial 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.

Support for Your Goals

Our lending capacity supports members' financial goals across various sectors with $19,721 in used auto loans and $749,321,675 in total loans and leases. Our operational efficiency shines through with a net income of $2,249,754, enabling us to continue offering competitive loan rates and solid financial products for our members.

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 purchasing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. We're committed to supporting local businesses by offering tailored financing solutions that cater to your operational needs. At 4front, we're dedicated to providing high-quality financial services. If you're interested in any of our loan products or have questions about refinancing options or eligibility criteria, please reach out to us at 231-929-2010 or visit us at 3323 S Airport Rd W Traverse City MI 49684. 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 take the next step towards achieving your financial dreams!

Credit Lines

For those who need a little extra flexibility in their finances, our credit lines are an excellent option. With a total available amount of $350,360,556, you can access funds when needed without the hassle of applying for a new loan each time.

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 that securing a mortgage can be daunting, but with our competitive rates and personalized service, we aim to make it as straightforward as possible.

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 various benefits designed to help you build credit while enjoying the convenience of cashless transactions.

Loan Aggregator

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 ensures fair and transparent offers for all users. Every loan option displayed is validated against industry standards, giving you confidence in your choices.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you receive reflects real-time market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every loan offer is presented fairly, without hidden influences. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps in making informed decisions. Whether you're looking for a mortgage or an auto loan, you can see what each lender has to offer at a glance. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This highlights the effectiveness and reliability of the tool. 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