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We’ve streamlined access to your 4Front smart credit Mastercard account!

Access to your 4Front smart credit Mastercard® account is now available directly from your online banking experience! Review your card's transaction history and balances, download statements and pay your bill inside online banking without having to utilize a separate website and maintain another set of login credentials.

Here's how:4Front CU Card Services

  1. Log into Online Banking using your existing online banking username and password.
  2. Select Credit Card Services, located under the Transactions menu.

4Front CU Online Banking changes

 

 

  1. Choose a credit card to manage.
  2. To ensure uninterrupted access to this new feature, confirm your contact information is accurate by visiting Update Contact Info in the Services menu.
Got it. Take me to Online Credit Card Access   Credit Card
4Front Credit Union

Alert!

Our US 31 (Traverse City) drive-thru is now open featuring VideoTeller.

Drive-thru services at our Traverse City US 31 location have reopened and our VideoTeller in-car express banking technology is now available! VideoTeller offers extended hours (Monday through Friday 7 am - 7 pm and Saturdays 9 am - 2 pm) and enhanced service capabilities to in-car banking.

The temporarily expanded lobby hours at the US 31 location have returned to normal -- Monday through Friday 9 am - 5:30 pm and Saturday 9 am - 1 pm.

LEARN MORE

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We’ve streamlined access to your 4Front smart credit Mastercard account!

Access to your 4Front smart credit Mastercard® account is now available directly from your online banking experience! Review your card's transaction history and balances, download statements and pay your bill inside online banking without having to utilize a separate website and maintain another set of login credentials.

Here's how:4Front CU Card Services

  1. Log into Online Banking using your existing online banking username and password.
  2. Select Credit Card Services, located under the Transactions menu.

4Front CU Online Banking changes

 

 

  1. Choose a credit card to manage.
  2. To ensure uninterrupted access to this new feature, confirm your contact information is accurate by visiting Update Contact Info in the Services menu.
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Credit Score powered by SavvyMoney®

4Front is pleased to offer Credit Score, powered by SavvyMoney. Credit Score is a platform integrated with your 4Front virtual banking experience and geared toward helping you stay on top of your credit. By using this valuable tool, you can access your latest credit score and report, learn about key factors that impact the score, and discover personalized offers that will reduce your interest costs. You'll always know where you stand with your credit and how 4Front can help you save money!

Know Your Score  Boost your buying power and save money

Credit Score provides you with all the information in your credit file including a list of open loans, accounts and credit inquiries. You'll also be able to view details of your payment history, credit utilization and public records appearing on your account. Typically, your credit score is updated monthly, but there's no limit to the number of times you can check it with Credit Score. Simply click the "Refresh Score" button, and your most current score will be available to you. And there's never an impact to your score when you check your credit with Credit Score.

It's important to note that your score provided within Credit Score may differ slightly from other credit score offerings. Credit Score utilizes VantageScore 3.0, a scoring model developed by the three major credit bureaus -- Equifax, Experian and TransUnion. Other credit score platforms may use the FICO score model.

Explore the differences between VantageScore 3.0 and FICO Score 8

4Front has recently migrated to using VantageScore 3.0 in lending decisions because it does a better job of representing responsible borrowers.

Keep an Eye on Your Credit   Protect your credit AND your identity

Credit Score also monitors your credit report daily and informs you by email if any big changes are detected. These changes may include the opening of new credit account, a change in your address or employment, or a reported delinquency or credit inquiry. This comprehensive monitoring helps you remain vigilant against possible identity theft.

Free to Get and Easy to Use  Access Credit Score inside virtual banking

Credit Score powered by SavvyMoney is already available inside your 4Front virtual banking account and ready for you to activate. Simply log in to virtual banking and you’ll see the Credit Score icon in the lower right hand corner. Follow the prompts to activate your Credit Score access through our easy activation process. With the 4FrontGo mobile app, log in and click “More” in the upper right hand corner, scroll down and click “Credit Score”. Once activated, Credit Score will provide unlimited access to your most current credit report and all the impactful resources described above.

Credit Score Frequently Asked Questions

Credit Score powered by SavvyMoney is a free tool offered within 4Front's virtual and mobile banking platforms to help you better understand your current credit score, provide access to your full credit report and show you how you can improve your credit.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

With Credit Score, you always know where you stand with your credit and how 4Front can help save you money.

No. You receive free access to all of the features of Credit Score as a 4Front member.

Your credit score will be automatically updated every month when you log into 4Front virtual and/or mobile banking. Credit scores generally change very little inside a month, but you can refresh your score as frequently as every day by navigating to the detailed Credit Score page within virtual banking.

Credit Score secures your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus -- Equifax, Experian, and TransUnion. The VantageScore 3.0 model strives to unify all score information between the three bureaus, in order to provide consumers with a comprehensive view of their credit health.

Yes, but generally only slightly. There are three major credit-reporting bureaus (Equifax, Experian and TransUnion) and two scoring models (FICO or VantageScore) that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. 4Front has elected to use VantageScore 3.0 -- the same scoring model featured in Credit Score. This means you can be confident that the credit information you're viewing within Credit Score will be the same credit data utilized by 4Front in its lending determinations.

Click HERE to learn more about the differences between FICO 8.0 and VantageScore 3.0.

4Front utilizes several criteria, in addition to an individual's credit score, to determine creditworthiness. However, you can be assured that the updated credit score and credit report you can access through Credit Score is the very same credit score and report we will consult during the decisioning process.

Yes. Credit Score uses high level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

Credit Score makes every effort to show you the most relevant information from your credit report. If you believe that information contained within Credit Score is wrong or inaccurate, consider taking advantage of free credit reports from www.annualcreditreport.com, and then pursuing corrections with each bureau individually. Credit Score users can “File a Dispute” by clicking on the “Dispute” link within their Credit Report. Please note that the dispute process offered within Credit Report only relates to TransUnion credit report disputes. Disputes pertaining to Experian and/or Equifax issues must be addressed directly with those bureaus. The Federal Trade Commission offers step-by-step instructions on how to contact these bureaus and correct errors.

Credit Score displays the credit information associated with the primary owner of the 4Front account. Joint account holders' credit information is not accessible with Credit Score.

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Rates

Vehicle, Boat and RV Loans
Effective Date: Monday, October 19th, 2020
Autos, motorcycles, motor homes, campers, boats, RVs, ATVs, snowmobiles, PWCs & tractors
TermAPR as low as*
12 to 66 months 3.94%
67 to 78 months 4.14%
79 to 84 months 5.04%
85 to 120 months 5.34%
121 to 180 months 6.14%

*Rates and terms determined by member's credit worthiness and down payment.

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