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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Credit Unions vs. Banks

There IS a difference!

Life is full of tough choices.  Paper or plastic?  Dinner or a movie?  Chocolate or vanilla?  Thankfully, choosing your financial partner isn't so difficult.

Bay Winds Federal Credit Union offers significant advantages over a bank when it comes to who we are and what we do.  We think you'll find it easy to see at Bay Winds Federal Credit Union, it pays to belong...

Credit Unions Banks
Depositors
Member owned.  Credit unions may only serve their members within a chartered area. BWFCU's charter area includes Antrim, Benzie, Charlevoix, Cheboygan, Crawford, Emmet, Kalkaska, Leelanau, Grand Traverse and Otsego counties. Individuals may become member by depositing as little as $1 in a prime share or checking account. Membership is not required to be served by a bank.  Customers have no ownership and are often required to deposit a minimum of $50 to $100 to open an account.  Banks are owned by investors who may not be depositors.
Structure
Not-for-profit.  Credit unions are cooperatives that exist only to serve their members.  Excess earnings are used to provide lower fees, lower loan rates and higher savings dividends to members (minus operating expenses). For-profit.  Banks are established to generate profits for stockholders/investors (minus operating expenses).
Governance
One member, one vote.  Credit union boards of directors are unpaid volunteers elected from the membership and by the membership through a democratic process. Only investors/stockholders have voting privileges.  Bank customers have no say in its operation. Bank directors are paid positions.
Insurance
Accounts are insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. Accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000.
Capital
 Capital is raised only through earnings.  No restrictions in how capital is raised.

The Choice is Simple

Credit unions are operated by their membership for their membership with members seeing tangible rewards of the relationship through lower loan rates, higher dividends and low fees. So what are you waiting for?  Join today so Bay Winds Federal Credit Union can begin helping you realize your financial goals!

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