4Front Traverse City MI Credit Union | Cheap Mortgage Refinance & Rewards Cards

Introduction

Welcome to 4Front, where community and financial well-being come together! Located at the Tba Career Tech Center in beautiful Traverse City, MI 49686, our branch has been serving members since 1954. With a strong commitment to providing personalized service, we pride ourselves on being more than just a credit union; we are your financial partner dedicated to helping you achieve your goals. At 4Front, we understand that our members are at the heart of everything we do. With over 104,679 members and total assets exceeding $1 billion, you can trust that your financial future is in good hands. Our range of services includes personal banking options like checking and savings accounts, auto loans, mortgage financing, and business banking solutions tailored for local entrepreneurs. While you can visit us at our Traverse City branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 795, Traverse City, MI 49685. Under the leadership of CEO Andrew Kempf and Board President Todd Rohrback, our dedicated team of 289 employees works tirelessly to create value for our members. With total deposits amounting to $46,867,236 and a net worth of $98,065,732, we ensure that your money is not only safe but also working for you. Whether you're looking for competitive loan options or innovative online banking features like mobile payments and e-statements, we've got you covered. Interested in joining our growing family? Don't hesitate to reach out at 231-929-2000 or visit us online at 4FrontCU.com. We look forward to serving you!

Branch History & Mission

At 4Front, we pride ourselves on a rich history that reflects our commitment to serving the Traverse City community in Michigan. Established in 1954, our branch at Tba Career Tech Center has been a cornerstone of financial support and community engagement for nearly seven decades. With over 104,000 members, we have grown from a small credit union into a trusted financial institution with total assets exceeding $1 billion. Our mission is simple yet profound: to empower our members through personalized financial services while actively supporting the communities we serve. We believe that banking should be about more than just transactions; it should be about building relationships and fostering growth. Our dedicated team works tirelessly to provide services ranging from checking and savings accounts to auto loans and mortgages, all designed to meet the diverse needs of our members. While members can visit us at Tba Career Tech Center, official correspondence should be sent to PO Box 795, Traverse City, MI 49685. Our branch is conveniently located in the heart of Traverse City, allowing easy access for those who need us most. At 4Front, we understand the importance of adapting to the modern world. That's why we've embraced digital advancements like online and mobile banking, allowing you to manage your finances anytime, anywhere. We are proud to offer ADA-compliant facilities and customer-centric initiatives that prioritize accessibility for everyone. Community outreach is at the heart of our mission. We actively partner with local organizations to promote financial literacy and support various community projects. Whether it's sponsoring educational programs or participating in local events, we are deeply invested in enhancing the quality of life for all residents. As we look forward to the future, we invite you to join us on this journey. Experience firsthand how 4Front can help you achieve your financial goals while making a positive impact on our community. Visit us during our lobby hours from 9:00 a.m. - 2:00 p.m., Monday through Friday when classes are in session, or give us a call at 231-929-2000. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

Our branch is fully committed to providing a welcoming environment for everyone. We have convenient parking available and offer ADA-compliant features such as ramps to ensure easy access. Whether you're coming in for personal banking or just stopping by to ask a question, we want you to feel comfortable and supported.

Connect with Us

Have questions or need assistance? Feel free to give us a call at (231) 929-2000. Our team is here to assist you with any inquiries or concerns you might have. We look forward to welcoming you into our branch soon! Visit us today and discover how we can help you achieve your financial goals!

Operating Hours

We understand that your time is valuable. That's why we're open from 9:00 a.m. to 2:00 p.m., Monday through Friday when classes are in session. This schedule allows you to plan your visit around your day easily.

Services Offered

At 4Front, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our credit cards come with rewards that benefit you every time you use them. Plus, if you're a business owner, we provide merchant services and business loans to help your venture thrive.

Member Eligibility

At 4front, we believe that becoming a member is like joining a family where your financial well-being comes first. If you're looking to join our community, you'll be pleased to know that eligibility is straightforward and welcoming. Generally, anyone who lives, works, worships, or attends school in the area can apply for membership. This means that if you're part of our vibrant Traverse City community or surrounding areas, you're likely eligible! Plus, being a member at 4front offers you access to personalized services, competitive rates on loans, and a range of financial products designed to meet your needs. Ready to take the next step? Opening an account with us is simple! You can find all the details about becoming a member and the specific eligibility requirements by visiting our website at . If you have any questions or need assistance, don't hesitate to reach out at (231) 929-2000. We're excited to welcome you into our community at Tba Career Tech Center Traverse City Mi 49686!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Imagine having the financial support you need to take your business to the next level. 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 for Everyday Transactions

Every day, businesses like yours face the task of managing payments efficiently. Our merchant services make it simple to accept payments from customers, whether they prefer credit cards, mobile payments, or online transactions. With easy-to-use tools and responsive support, you can focus more on what matters growing your business. Located at Tba Career Tech Center Traverse City Mi 49686 in Traverse City, MI, our team is ready to partner with you on your journey. Reach out at (231) 929-2000 today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it easier than ever to get on the road. With competitive rates and flexible terms, we aim to make your car-buying experience smooth and stress-free.

Business Banking

For our business members, we offer comprehensive banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our team is here to assist with tailored financial solutions.

Credit Cards with Rewards

Our credit cards come with rewards that fit your lifestyle. Whether you're making everyday purchases or planning a big trip, earning rewards can add up quickly! Enjoy benefits such as cash back or travel points that make every purchase feel worthwhile.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why our online and mobile banking services are designed for ease of use. You can enjoy features like person-to-person payments, e-statements, and mobile payments right from your smartphone. If you have any questions or want to learn more about how 4front can serve you better, don't hesitate to reach out! You can call us at (231) 929-2000 during our operating hours from 9:00 AM - 2:00 PM Monday through Friday when classes are in session. We look forward to helping you achieve your financial goals! Explore all that we offer at Career Tech Center Office where your financial future starts today!

Mortgage Loans & Refinancing

Homeownership is a goal for many, and at 4front, we offer mortgage loans that cater to various budgets. If you're already a homeowner, you might consider refinancing your existing mortgage for better rates or terms. Our knowledgeable staff can guide you through the process and help you find the right option for your situation.

Personal Banking

We understand that everyone has different banking needs. That's why our personal banking options include both checking and savings accounts tailored to your lifestyle. Imagine having easy access to your funds through our online and mobile banking services, allowing you to check balances, pay bills, and transfer money from anywhere at any time.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans that can be used for anything from home repairs to vacations or even debt consolidation. By consolidating multiple debts into one loan, you can simplify your payments and potentially save on interest.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which makes banking even more convenient. You can manage your accounts right from your smartphone, ensuring that you're always just a tap away from your financial information. Plus, with our mobile payments feature, making purchases is simple and quick just use your phone and go! For those who prefer paperless options, we offer e-statements that let you view your account statements online whenever you need them. This not only saves trees but also keeps your documents organized and easily accessible. Additionally, we support electronic signature authorization, allowing for fast and secure transactions without the hassle of printing and signing paper forms. Need to send money to a friend? Our person-to-person transfers make it easy to share funds instantly. Just enter their details, and you're all set no need for cash or checks.

Security You Can Trust

We prioritize your security at 4front. Our online banking systems are equipped with advanced security measures to protect your personal information. You can feel confident knowing that every transaction is safeguarded against unauthorized access. In summary, our digital banking services combine accessibility and ease-of-use with top-notch security features. Whether you're at home or out running errands, managing your finances has never been simpler or safer! Explore all our offerings today at https://www.4frontcu.com and take control of your financial journey with 4front.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 210,645, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $4,932,907. 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 Tba Career Tech Center Traverse City Mi 49686 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 impressive $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.

Reinvestment for Better Services

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 commitment to lending is evident with $19,721 in used auto loans and $749,321,675 in total loans and leases; this capacity supports your financial goals across various sectors.

Strong Financial Health

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 purchasing a new or used vehicle, we have options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $122,490,114 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and helping them thrive in our community. At 4Front, we also offer refinancing options for those looking to lower their monthly payments or consolidate debts. Our team is ready to assist you with eligibility questions and guide you through each step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in any of our loan offerings or want more information about how we can help you achieve your financial objectives, feel free to contact us at (231) 929-2000 or visit us at Tba Career Tech Center Traverse City Mi 49686 in Traverse City, MI. We're here to assist you!

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 come with benefits that can help you build credit while enjoying rewards for your purchases.

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 strive to make the process straightforward so you can focus on what matters most your new home.

Loan Aggregator

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Ensuring 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 that users receive fair and transparent offers when comparing loans. Each lender's information is regularly updated to reflect current rates and terms, allowing users to make informed decisions based on accurate data.

4Front