4Front Credit Union

Good Friday and Easter Weekend Service Schedule

In observation of Good Friday and the Easter Holiday, all locations will close at noon on Friday, April 3 and remain closed thru Sunday, April 5.  This includes all lobby and drive-thru services.  Branches will reopen at their regularly scheduled times on Monday, April 6.

Telephone, Online, and Mobile Banking services remain available for use 24-hours a day.

Not sure which Online Banking tab to select?

Until later this year, the Online Banking system you utilize will depend upon where you initially opened your account. Please use your existing username and password to access your Online Banking system.

If you opened your account in any of the communities below, OR if you opened your account while purchasing a vehicle at a car dealership after January 2, 2015, select the Bay Winds FCU Original Accounts tab:

• Charlevoix          • Petoskey          • Boyne City          • East Jordan          • Bellaire
If you opened your account in any of the following communities, select the Members CU Original Accounts tab:

• Traverse City          • Kalkaska          • Manistee          • Mancelona

If you remain uncertain of which tab to select, or have not previously established Online Banking credentials and wish to do so, please call 800.765.0110 or 800.638.1182, and we will be happy to assist you.

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Business Savings

4Front's business savings solutions offer many benefits and ample flexibility, depending upon the specific needs of your enterprise. Our variety of savings products provide a safe place to park your cash and earn dividends until you need it and all are insured up to $250,000 by the National Credit Union Administration.

4Front Business Prime Share  Opening doors, ensuring your success

You remember that feeling of pride you enjoyed when your business made its first dollar, don't you?  The dollar you use to open your 4Front Business Prime Share account may just end up being the second-most-important dollar in the life of your business. The 4Front Business Prime Share account serves as a gateway to our variety of other business products and services.

  • Minimum initial deposit and ongoing balance is $1.00
  • No monthly service fees
  • Fixed dividend rates
  • Access funds online, from your phone, ATM, or at any branch location

Business Money Market Share  Maximize earnings while planning for the future

4Front's Business Money Market Share allows businesses serious about saving to earn tiered dividends, fee-free. Establish multiple Business Super Saver accounts to fit your needs.

  • No minimum balance, no monthly service fees
  • Balances of $5,000 or more earn tiered dividends
  • Minimum withdrawal amount of $500

Business Designated Share  Business budgeting made easy

Save for specific planned expenses like equipment purchases, inventory, business trips and more with 4Front Business Designated Share accounts. Customize your account name to more effectively track your savings.

Business Share & Jumbo Certificates  Minimal risk, significant rewards

Put your money to work for you with 4Front's Business Share Certificates and Business Jumbo Certificates. These NCUA-insured investment tools consistently deliver higher returns with minimal risk.

  • Terms of 6 to 60 months (Share Certificate) and 12 to 60 months (Jumbo Certificate)
  • Minimum investment of $1,000 (Share) and $100,000 (Jumbo)
  • Fixed dividends, based upon initial deposit and terms
  • No additional deposits or partial withdrawals

Check out our business-friendly rates or become a business member today by contacting our Business Development team at 800.638.1182.

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Business Savings Rates

Business Prime Share
Effective Date: April 1, 2015
Business Prime 0.10% 0.10% $1.00
Business Designated Share 0.10% 0.10% None

*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest

Bus. Money Market Share Rates

Business Money Market Share
Effective Date: April 1, 2015
Average Daily BalanceAPY*
$5,000 - 9,999 0.150%
$10,000 - 24,999 0.200%
$25,000 - 49,999 0.200%
$50,000 or more 0.250%

*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest