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

Introduction

At 4Front, we believe that financial services should feel personal, supportive, and community-driven. Located at 3939 W Front St, Traverse City, MI 49684, our branch is dedicated to serving the needs of our members and the surrounding community since 1954. With a strong commitment to helping you achieve your financial goals, we're proud to be a trusted partner for over 104,679 members. While you can visit us at our branch for all your banking needs, official correspondence can be sent to our mailing address: PO Box 795, Traverse City, MI 49684. Our team of nearly 290 dedicated employees is here to offer a range of services from personal banking solutions like checking and savings accounts to auto loans and mortgages. As of now, we manage total assets of over $1 billion, with total deposits amounting to $46,867,236. Under the leadership of CEO Andrew Kempf and Board President Todd Rohrback, we strive to create lasting relationships with our members by prioritizing their financial well-being. Our financial strength is evident with a net worth of $98,065,732 and cash in hand totaling $15,364,200. We take pride in offering more than just numbers; we provide peace of mind through responsible lending practices with total loans reaching up to 57,198. We understand that every member's journey is unique. That's why we offer personalized solutions tailored to fit your lifestyle. Whether you're interested in online and mobile banking or seeking assistance with business loans our goal is to empower you every step of the way. Ready to take control of your finances? Visit us at our branch or give us a call at 231-929-2007 today! Explore how we can support your financial aspirations while building a stronger community together.

Branch History & Mission

Join Us Today

As we continue to grow and adapt with changing times, we invite you to become part of the 4Front family. Experience firsthand how we're not just a credit union but a community partner invested in your success. Whether you're looking for personal loans or seeking advice on business financing, we're here for you every step of the way. Reach out today at 231-929-2007 or visit us online at 4frontcu.com to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!

Our Journey

Nestled at 3939 W Front St, our branch has seen the evolution of financial services firsthand. Initially focused on serving the local community's basic banking needs, we have expanded our offerings over the years to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and business banking services. Our commitment to innovation is evident in our digital services that provide members with convenient online and mobile banking options. While members can visit us at 3939 W Front St, official correspondence should be sent to our mailing address at PO Box 795, Traverse City, MI 49684. This location not only serves as a hub for our financial operations but also positions us close to many local landmarks, making us easily accessible to all.

Our Mission

At 4Front, our mission is simple yet profound: we are dedicated to enhancing the financial well-being of our members while supporting the communities we serve. We believe in building lasting relationships based on trust and mutual benefit. Our focus extends beyond just providing financial products; we actively engage in community outreach efforts that uplift and empower those around us. In today's fast-paced world, we remain committed to ADA compliance and customer-centric initiatives that ensure every member feels valued and supported. With features like ATM availability for easy access to cash and interactive teller machines extending service hours from 7:00 AM to 7:00 PM, Monday through Friday, we strive to meet the diverse needs of our members.

Branch Location & Accessibility

Welcome to the 4Front Credit Union, conveniently located at 3939 W Front St in beautiful Traverse City, MI. Nestled in Grand Traverse County, our branch is easily accessible and situated near local landmarks that make your visit even more enjoyable. Whether you're here to open a new account or discuss your financial needs, you'll find us right around the corner from popular spots in the area. While members can visit us at 3939 W Front St, official correspondence should be sent to PO Box 795, Traverse City, MI 49684. We strive to provide a welcoming atmosphere with ample parking and features that ensure accessibility for everyone, including ADA-compliant entrances. Our lobby hours are designed with your convenience in mind, open from 9:00 AM to 5:30 PM Monday through Friday. For those who prefer extended service hours, our Interactive Teller Machines (ITMs) are available from 7:00 AM to 7:00 PM on weekdays and Saturday from 9:00 AM to 2:00 PM. At our branch, you'll find a range of services tailored for personal banking and beyond. From checking and savings accounts to auto loans and mortgage refinancing, we're here to support your financial journey. Although we don't offer drive-thru service, our ATM is always ready for quick cash withdrawals and balance checks. Feel free to reach out at 231-929-2007 if you have any questions or need assistance. We invite you to stop by and experience the friendly service that makes us a trusted part of the Traverse City community!

Member Eligibility

At 4front, we believe that becoming a member means joining a caring community where your financial needs are prioritized. If you're looking to join us at our location on 3939 W Front St Traverse City Mi 49684, you'll find that eligibility is welcoming and straightforward. Generally, anyone who lives, works, worships, or attends school in the local area can become a member. This means that whether you're just starting out or looking for ways to enhance your financial journey, we're here for you. Membership comes with fantastic benefits, including access to personalized banking services, competitive rates on loans, and a supportive team ready to assist you every step of the way. Ready to take the first step? Opening an account is simple! You can check out all the details about eligibility here and start your application process by visiting our account opening page here. If you have any questions or need assistance, feel free to call us at (231) 929-2007. We can't wait to welcome you into the 4front family!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to our loan offerings, we provide comprehensive merchant services that simplify payment processing. Imagine effortlessly accepting payments from customers right at the point of sale whether online or in-store. This not only boosts customer satisfaction but also streamlines your operations. Visit us at 3939 W Front St Traverse City Mi 49684 in Traverse City, MI to explore how our business banking and commercial services can empower your company to reach new heights! For more information, call us at (231) 929-2007 or check out our website at https://www.4frontcu.com.

Supporting 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

Business Banking

For business owners, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans designed to help your business thrive. Whether you're starting a new venture or looking to expand, we're here to provide the financial support you need.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms empower you to manage your accounts anytime, anywhere. Need cash? Use our ATM and Cash Withdrawal Services without hassle just another way we make banking work for you. At 4front, we believe in building strong relationships with our members through exceptional service and community involvement. If you'd like to learn more about how we can assist you with any of these services, don't hesitate to give us a call at (231) 929-2007 or visit us online at https://www.4frontcu.com. Join us today and experience the difference!

Home Financing

Looking to buy your first home? Our Mortgage Loans and Refinancing options can help make homeownership a reality. We guide you through the mortgage process with competitive rates and personalized service. Picture yourself settling into that cozy living room you've always wanted!

Personal Banking

We understand that managing your money is essential for achieving your goals. That's why we offer a variety of personal banking options, including Checking and Savings Accounts that cater to your everyday needs. With competitive interest rates and no hidden fees, saving for that dream vacation or planning for future expenses has never been easier. If you're in the market for a new vehicle or need financing for an existing one, our Auto Loans and Vehicle Financing services provide flexible terms that fit your budget. Imagine driving away in your new car without the stress of complicated financing!

Personal Loans & Credit Solutions

Life can be unpredictable, which is why having access to funds when you need them is crucial. Our Personal Loans and Debt Consolidation services can help you manage unexpected expenses or streamline your existing debts into one manageable payment. Plus, our Credit Cards with Rewards allow you to earn while you spend, making every purchase count.

Digital & Online Banking

Key Features

With our user-friendly online banking platform, available at https://www.4frontcu.com, you can check balances, transfer funds, and pay bills anytime you need. Enjoy the convenience of 24/7 online banking services that put you in control of your financial decisions. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick, allowing you to share funds without the hassle. For those who prefer managing their finances from their mobile devices, our mobile application is readily available. With just a few taps, you can access all the features you love about online banking right from your smartphone. Plus, enjoy the added benefit of mobile payments making purchases has never been easier!

Security and Convenience

We take your security seriously. Our electronic signature authorization feature ensures that your transactions are safe and verified. Additionally, our e-statements provide an eco-friendly way to keep track of your financial activity without cluttering your mailbox. Managing your money shouldn't feel complicated. At 4front, we've made sure that every service is designed for ease of use and accessibility. Whether you're checking statements or making payments, we ensure everything is straightforward and efficient. Join us today and discover how our digital banking solutions can make managing your finances a breeze!

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

Growing Community Trust

Total Share and Deposit Accounts: 210,645, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $4,932,907, further demonstrating our capability to support your financial aspirations. 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 3939 W Front St Traverse City Mi 49684 or call (231) 929-2007 to learn more about how we can help you achieve your financial goals.

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.

Strong Financial Position

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

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 flexible terms and competitive interest rates to make financing your next vehicle as stress-free as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business operations, we have options that fit various business needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $34,698,891, making buying or refinancing simple. We offer various mortgage products that can be customized to suit your budget and needs.

Refinancing Options

If you're considering refinancing any of these loans or exploring eligibility options, we are here to help guide you through the process. Our experts can explain how refinancing can potentially lower your monthly payments or free up cash for other priorities. 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 pride ourselves on transparency and are committed to helping you navigate your financial landscape with confidence. At 4front, we believe in making banking easy and accessible for everyone in Traverse City and beyond. Visit us today or explore our services online at 4frontcu.com to learn more about how we can support your financial journey!

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. This product is perfect for those looking to consolidate debt or cover unexpected expenses without the burden of secured collateral.

Loan Aggregator

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Ensuring Accurate Comparisons

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4Front