PO Box 795
Traverse City, MI 49685

Notable Rates APY Vs.Others
Savings 0.10% 2.30% →
1-Year CD 1.46% 2.25% →
2-Year CD 1.24% 2.50% →
5-Year CD 2.17% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

4front is an NCUA insured institution located in Traverse City, MI. It was founded in 1954 and has approximately $541.49 millions in assets.

Who can join?

Members Credit Union offers membership to the following:

• Individuals who reside in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who work or work for an employer in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who worship in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who are enrolled in grades K-12 in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who receive a retirement annuity, pension, social security, or similar retirement payment from a private or government source; and reside in, or belong to a retirement organization located in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, Manistee, Wexford, or Missaukee. The credit union's main office is located in Grand Traverse County therefore retired individuals in the contiguous counties of Wexford and Missaukee are eligible for membership.
• Employees of this credit union.
• Members of the Sheffer Collet/ITW Employees Federal Credit Union merger of record as of the date of December 1, 2008.
• Immediate family of the members outlined above.
• Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership of the credit union as outlined above.
• A spouse of a deceased member if elected to membership prior to remarriage.

NCUA Insured Yes
Charter Number # # 61365
Date Established 1954
Assets $541.49 million
Loans $404.25 million
Deposits $466.27 million
Capital $63.36 million

Field of Membership Restrictions

Membership requirements for 4 Front CU are simply that you or one of your family members either reside, hold employment, or conduct business inside of Michigan State in order to be considered eligible.

Deposit Rates - December 10, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1,000 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
1.31% $1,000 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $1,000 - Learn MoreShow Less
1.31% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.46% $100,000 - Learn MoreShow Less
0.85% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.00% $100,000 - Learn MoreShow Less
1.09% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.24% $100,000 - Learn MoreShow Less
1.19% $1,000 $99,999 Learn MoreShow Less
30 Mo CD
1.34% $100,000 - Learn MoreShow Less
1.29% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.44% $100,000 - Learn MoreShow Less
1.46% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
1.61% $100,000 - Learn MoreShow Less
2.02% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.17% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.84% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates - December 10, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 4FRONT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($362) $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% 0.00 ($85) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.750% 3.750% 0.00 $0 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to 4FRONT
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Below are 4front branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

4front Locations

Financial Details

4front Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 4front. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
4front U.S. Average
7.54% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, 4front had $4,829,582 in non-current loans and $83,601 in owned assets. To cover these potential losses it had $63,356,948 in net worth and $1,777,569 in loans loss reserves. That gives it a Texas Ratio of 7.54%.

Net Worth
4front U.S. Average
11.7% 13.65%

4front FCU has a net worth of 11.7% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 4front

Branches and Savings

What is 4front?

A federal credit union, registered with the NCUA under certificate #61365.
Learn more about credit unions here.

Is 4front FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join 4front?

Please see Field of Membership information above for information on who is eligible to join.

What are 4front's share account and share certificate rates?

4front's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 4front?

4front has total capital of $63.36 million. Full information on 4front's financial position is located above.

Who owns 4front?

Credit Unions are owned by their members.

Where are 4front branches located?

See branch locations nearby.

Are 4front ATMs Open 24/7?

Do 4front ATMs accept cash deposits?

Can 4front customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 4front have a mobile app?

Does 4front have mobile deposit?

Does 4front have quick pay?

How can 4front transfer money to other banks or credit unions?

Does 4front report to credit bureaus?

Does 4front use Chexsystems?

Does 4front use Equifax?

What is 4front's toll free phone number?

What is 4front's ACH Routing Number?

What is 4front's SWIFT code?

Where can I find 4front's wire transfer form?

What is the 4front address for deposits?

What Products Does 4front Offer

Does 4front offer mortgages?

Compare mortgage rates here.

Does 4front offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 4front offer auto and RV loans?

Compare auto loan rates here.

Does 4front offer student loans or personal loans?

Compare personal loan rates here.

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