4Front Traverse City MI Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 4Front, your trusted financial partner in Traverse City! Located at 1234 Hastings St, our Hastings Office has been serving the community since 1954. With a commitment to member satisfaction and community involvement, we proudly support 104,679 members, offering a wide range of financial services tailored to meet your needs. At 4Front, we understand that financial decisions matter. That's why we manage an impressive $1,060,335,235 in total assets, ensuring that your money is secure and well-managed. Our members benefit from total deposits of $46,867,236, reflecting our dedication to building lasting relationships based on trust and transparency. Our leadership team, headed by CEO Andrew Kempf and Board President Todd Rohrback, is deeply committed to fostering a supportive environment for all our members. With a dedicated staff of 289 employees, we are here to assist you with everything from checking and savings accounts to auto loans and business banking solutions. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 795, Traverse City, MI 49685. Whether you're looking for competitive auto loans with over 57,198 loans currently financed or seeking advice on mortgage refinancing, our knowledgeable team is ready to help. You can also take advantage of our convenient online and mobile banking options for easy account management right from your phone! We invite you to explore all that we offer by visiting our website at 4frontcu.com or calling us at 231-929-2014. Experience the difference with 4Front where your financial success is our priority!

Branch History & Mission

Commitment to Innovation

As we continue to grow and adapt in this fast-changing world, we remain focused on integrating technology into our services while maintaining accessibility for everyone. Our commitment extends to ensuring ADA compliance across all platforms so that every member can enjoy full access to our offerings. Our operating hours are designed for your convenience: - Lobby Hours: Monday - Friday from 9:00 AM to 5:30 PM; Saturday from 9:00 AM to 1:00 PM - Drive-Thru Service: Monday - Friday from 8:00 AM to 6:00 PM; Saturday from 9:00 AM to 2:00 PM With an ATM available on-site and drive-thru services for quick transactions, we're here to meet your needs efficiently.

Join Us Today!

We invite you to become part of the 4Front family! Experience firsthand how our commitment to service makes us different from traditional banks. Visit us today at 1234 Hastings St or give us a call at 231-929-2014 for more information about how we can help you reach your financial dreams. Together, let's build a brighter future!

Our Mission

At 4Front, our mission goes beyond providing traditional banking services. We believe in empowering our members by offering personalized financial solutions that enable them to achieve their goals. From checking and savings accounts to auto loans and mortgages, our diverse range of products is designed with you in mind. We are committed to making banking easier through online and mobile services, ensuring you can manage your finances anytime and anywhere. Community engagement is at the heart of what we do. We actively seek partnerships with local organizations to support initiatives that improve the quality of life for residents in Traverse City and surrounding areas. Whether it's sponsoring local events or contributing to charitable causes, we are here to make a positive impact. While members can visit us at 1234 Hastings St, official correspondence should be sent to PO Box 795, Traverse City, MI 49685 if needed.

Branch Location & Accessibility

Welcome to the 4Front Hastings Office, your friendly neighborhood credit union conveniently located at 1234 Hastings St, Traverse City, MI 49686. Nestled in the heart of Grand Traverse County, our branch is easily accessible, making it simple for you to handle your banking needs while enjoying the beautiful surroundings of Traverse City. Whether you're near the bustling downtown area or exploring local parks, we're just a short drive away! At our Hastings Office, we prioritize your convenience and comfort. Our location features ample parking for members, ensuring that you can quickly find a spot when you visit us. We are also committed to accessibility; our branch is designed to meet ADA standards with ramps and features that help everyone feel welcome. When you step inside, you'll find a warm and inviting atmosphere ready to assist you. Our lobby hours are designed with your busy schedule in mind: we are open Monday through Friday from 9:00 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm. For those on the go, our drive-thru service is available Monday through Friday from 8:00 am to 6:00 pm and Saturday from 9:00 am to 2:00 pm, offering quick access for deposits and withdrawals without leaving your vehicle. If you need cash or want to check your balance outside of regular hours, don't worry! We have an ATM available for your convenience. Additionally, while members can visit us at our branch address, official correspondence should be sent to PO Box 795, Traverse City, MI 49685. Our dedicated team is here to provide a variety of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. You can also take advantage of online and mobile banking services for added flexibility. We invite you to come visit us at the Hastings Office or give us a call at 231-929-2014 if you have any questions. Let us help make your banking experience as smooth as possible!

Member Eligibility

At 4front, we believe that everyone deserves to be part of a supportive financial community. Becoming a member is simple and welcoming, designed for individuals who live, work, or worship in our local area. If you're looking to join us at 4front, you'll find that eligibility is inclusive whether you're a student, a working professional, or enjoying retirement, there's a place for you here. This membership opens doors to exceptional services like personal banking, auto loans, and more, tailored just for you. To get started on your journey with us, simply visit our website or give us a call at (231) 929-2014. You can check out the detailed eligibility criteria at to ensure you're ready to join this wonderful community. When you're ready to open an account, the process is straightforward; just follow the link for account opening details here: https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2zsr2eq8m9isazpzs7hek6gbzedv0gj4qjufrdtm36okhvur-f5_bw8nkke_9vrhzibfs4k3upm7ix4-scpyx2fa0gpbtsdsjch_viv5i4d. We can't wait to welcome you!

Business Banking & Commercial Services

Loan Options That Fuel 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

Imagine running your business without worrying about payment processing. Our merchant services offer seamless transaction solutions that save you time and hassle. Whether you're a retail shop or a service provider, our tools can help you accept payments smoothly, allowing you to focus on what matters most growing your business. Visit us at 1234 Hastings St Traverse City Mi 49686 in Traverse City, MI, or call us at (231) 929-2014 to learn how we can assist your business today!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we understand how important it is to have reliable financial partners. Our business banking services, including merchant services and business loans, are designed to help your enterprise thrive. We're here to support your goals, whether you're launching a startup or expanding an established business.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With just a few taps on your smartphone, you can check balances, transfer funds, and pay bills all from the comfort of your home. Need cash? Enjoy easy access through our ATM services for quick withdrawals and balance checks. For simple transactions like deposits or withdrawals, our basic drive-thru banking makes it easy for you on-the-go.

Personal Banking Solutions

Our personal banking services make managing your finances easy and accessible. You can choose from various checking and savings accounts designed to fit your lifestyle. Need a new car? Our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans are crafted to provide competitive rates and flexible terms. For those looking to consolidate debt or fund personal projects, our personal loans offer quick access to cash with straightforward repayment plans. Plus, don't forget about our credit cards that come with rewards perfect for earning points on everyday purchases!

Visit Us Today!

We invite you to explore all the services available at 4front located at 1234 Hastings St Traverse City Mi 49686 in beautiful Traverse City, MI. Feel free to reach out via phone at (231) 929-2014 if you have any questions or need assistance. Our friendly staff is ready to help you find the right financial solutions tailored just for you. Come see how we can make banking easier! Visit us today!

Digital & Online Banking

Always Available Support

With 24/7 online banking services available at Yes, help is just a click away whenever you need it. Whether it's day or night, we're here to support you in managing your finances securely and effectively. At 4front, we aim to provide digital solutions that make your banking experience smoother. Explore all these features today and see how we can help simplify your financial life!

E-Statements and Mobile Access

Say goodbye to paper clutter! With e-statements available at Yes, you can view your financial statements in a secure and environmentally friendly way. Plus, our mobile application ensures that you have all your banking needs at your fingertips. Whether you're shopping or relaxing at home, manage your money effortlessly.

Mobile Payments and Transfers

Need to send money to friends or family? Our person-to-person transfers make it quick and easy to share funds instantly. And if you're out shopping, take advantage of our mobile payments feature for a hassle-free checkout experience.

Online Banking Features

Our online banking service, available at https://www.4frontcu.com, allows you to check balances, transfer funds, and pay bills without the need to visit a branch. You can even sign documents electronically with our electronic signature authorization feature, making it simpler than ever to complete transactions from home or on the go.

Financial Strength

A Trusted Partner for Your Future

Net Shares available for lending and investments amount to $4,932,907, further showcasing our commitment to supporting your financial journey. With a total of 210,645 share accounts, it's clear that many members trust us with their finances. 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 1234 Hastings St Traverse City Mi 49686 or call (231) 929-2014 to learn more about how we can help you achieve your financial goals.

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 with $19,721 in used auto loans and $749,321,675 in total loans and leases. 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.

Secure Savings Options

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.

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 interested in financing a new model or finding a reliable used vehicle, our team can guide you through the process and find the right fit for your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. We recognize that running a business comes with its own set of challenges, which is why we strive to support local entrepreneurs with competitive lending solutions.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility, we offer various credit lines totaling $350,360,556 that can be tailored to your needs. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $12,991,614 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or cover unexpected expenses.

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 personalized service to help you navigate your mortgage journey, ensuring you understand all your options.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to reach out. Our team will walk you through eligibility options and discuss how refinancing could benefit your financial situation. At 4front, our goal is straightforward: to help you achieve your financial dreams through accessible lending solutions. For more information or if you have questions about any of our loan products, please don't hesitate to call us at (231) 929-2014 or visit us during our operating hours: Lobby M-F from 9:00 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Aggregator

Ensuring 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. By working with reputable lenders, LendMesh guarantees that all loan comparisons are based on reliable information.

The Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are looking at accurate information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see the best options available without any hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. With constantly changing market conditions, having access to real-time data can save both time and money. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This reflects how effective and user-friendly the platform is for finding favorable loan terms. 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