As we continue to grow and adapt to the changing needs of our members, we invite you to become part of our family at 4front. Experience firsthand the benefits of being a member of a community-focused credit union that puts people before profits. Visit us during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday, or give us a call at 231-929-2000 for more information. Join us today and discover how 4front can help you achieve your financial dreams!
Our mission goes beyond just offering financial products; it centers on building lasting relationships with our community. We believe in fostering financial literacy and empowering individuals to achieve their goals. By supporting various community initiatives and outreach programs, we aim to create a positive impact in Traverse City and surrounding areas. With a focus on customer satisfaction, we offer a range of services designed with you in mind. Whether you're looking for a new vehicle loan or need help with debt consolidation, our knowledgeable staff is here to guide you every step of the way.
Feel free to call us at (231) 929-2000 if you have questions or need assistance before your visit. We're excited to welcome you into our branch soon! At 4front, we are committed to providing exceptional service that meets your financial needs every step of the way. Come see how we can help you thrive!
We're here for you from 9:00 AM to 5:00 PM, Monday through Friday, ready to assist with a wide range of services tailored just for you. From personal banking needs like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards 4front has you covered. Our ATM availability means you can easily withdraw cash or check balances even outside of our lobby hours. Unfortunately, we do not currently offer drive-thru banking; however, our friendly staff is always eager to assist you inside the branch.
Parking is ample and hassle-free, so you can pop in without worrying about finding a spot. Our branch is also ADA-compliant, featuring ramps and accessible entrances to accommodate all members of our community. We believe that everyone deserves equal access to banking services.
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.
In today's fast-paced market, efficient payment processing is crucial. Our merchant services allow you to accept payments effortlessly, whether online or in-person. Imagine being able to focus on what you do best running your business while we handle transactions smoothly and securely. Located at 101 N Park St Traverse City Mi 49684 in Traverse City, MI, we are here to partner with you every step of the way. Explore how our business banking services can help you thrive! For more information, give us a call at (231) 929-2000 or visit us online at https://www.4frontcu.com.
For small business owners, we provide comprehensive business banking services. From merchant services that facilitate transactions to business loans that help you grow, we're here to support your entrepreneurial journey.
Enjoy shopping with added benefits through our credit cards that come with rewards programs. Earn points on every purchase and redeem them for exciting rewards making everyday spending more rewarding!
In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms. Manage your accounts anytime, anywhere whether it's transferring funds, paying bills, or checking your balance. With easy ATM access for cash withdrawals and balance checks, we ensure you have what you need right at your fingertips. If you have any questions about our services or need assistance, don't hesitate to reach out! You can contact us at (231) 929-2000 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. We invite you to explore all that 4front has to offer by visiting us or checking out our website at https://www.4frontcu.com. Join us today and let's work together towards achieving your financial goals!
Thinking about buying a home? Our mortgage loans and refinancing options are designed to make homeownership more attainable. We guide you through every step, ensuring you understand your choices along the way. For those looking to consolidate debt or cover unexpected expenses, our personal loans are also available to help ease financial burdens.
For individuals seeking reliable personal banking options, we offer checking and savings accounts tailored to fit various lifestyles. Whether you're saving for a vacation or managing daily expenses, our accounts provide easy access to your funds. Additionally, if you're in the market for a vehicle, our auto loans and vehicle financing solutions come with competitive rates to help you drive away in your dream car without breaking the bank.
Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can easily sign documents with our electronic signature authorization feature, making it quicker to finalize transactions without the hassle of paper forms. Plus, if you prefer going green, we offer e-statements that keep your financial records organized and accessible with just a few clicks. For those who are always on the move, our mobile application brings all these features right to your fingertips. You can make mobile payments seamlessly and conduct person-to-person transfers with ease perfect for splitting bills or sending money to friends. Whether you're at home or out and about, staying connected to your finances has never been simpler.
We prioritize your security while providing these services. Our online banking platform uses advanced encryption technology to ensure that your information is safe from unauthorized access. You can feel confident knowing that your financial data is protected while you manage your accounts in real-time. At 4front, we are dedicated to making banking more accessible for everyone. With easy-to-use tools and resources tailored for our members, managing your finances can be straightforward and stress-free. Join us today and experience how our digital banking services can help simplify your life!
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. Additionally, our capacity for lending is significant; we have $19,721 in used auto loans and $749,321,675 in total loans and leases to support your financial goals across various sectors.
Your savings are secure with us. Members' savings are backed by $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 operational efficiency is reflected in our $874,097, allowing 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 who are dedicated to serving you with expertise and care.
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 9.33% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
With net shares amounting to $4,932,907, available for lending and investments, as well as a strong member base of 210,645, 4front stands as a reliable partner for your financial journey. 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 101 N Park St Traverse City Mi 49684 or call (231) 929-2000 to learn more about how we can help you achieve your financial goals.
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 fit your budget and lifestyle, making it easier than ever to drive away in the vehicle you want.
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 and helping them thrive in today's economy. At 4front, we prioritize your financial health and success. We encourage you to explore our refinancing options if you're looking to lower your monthly payments or consolidate debt into one manageable loan. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check out our website for more information on how we can assist you with your financial journey!
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 offer competitive rates and flexible terms to help you navigate the path to owning your dream home.
Managing everyday expenses can be challenging, which is why 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, our credit cards come with benefits tailored for your needs.