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4Front Credit Union

Scheduled maintenance Sunday, April 16 from 7:00 am - noon ET

Our virtual banking platform will undergo necessary maintenance Sunday, April 16 from 7:00 am - noon ET. During this maintenance period, Online, Mobile, and Telephone Banking will be unavailable.

We apologize for inconvenience incurred during this downtime as we work to implement this important update as rapidly as possible.

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The Story of 4Front Credit Union

4Front Credit Union is a member-owned financial cooperative serving nearly 70,000 members across the state of Michigan. We grew from the combined resources of two institutions steeped in member advocacy and locally focused service and when presented an opportunity to generate more value for a single membership without sacrificing our member-centric core philosophies, being better together simply made sense.

The Good...

Members Credit Union opened its doors as Governmental Employees Credit Union in 1954 to families in Traverse City and its surrounding communities. Three years later, Bay Winds Federal Credit Union was founded in Charlevoix as Saint Mary's Catholic Credit Union. Both institutions have faithfully served our northern Michigan neighbors for nearly sixty years.  When the volunteer boards of directors of Members Credit Union and Bay Winds Federal Credit Union announced their collective desire to partner, some expressed initial concern largely based upon the results of traditional bank mergers.  But our original institutions weren't banks and we're not terribly traditional, either. Sure, we love baseball, Mom, and apple pie, but we're financial problem solvers and the status quo will never be good enough for us or our membership. As independent institutions, we consistently sought avenues to help our members succeed, to create enhanced value for those who trusted us with their financial well-being. And we were pretty well successful at it, too.  However, there was always something missing. We could offer good products, good connectivity, good member access. We were "good" at what we did. But resources, or technological capabilities, or some other limitation would always leave us settling for "good" and unable to take the next step for our members.

...the Bold...

So imagine the delight our institutions' leadership teams experienced when they each stumbled upon the kindred spirit separated by less than 50 miles of US 31. Shared dissatisfaction with "good" turned into "maybe there's something here" which morphed into "we'd be silly not to do this." So lo and behold, following an overwhelming October 2014 vote of support from the Bay Winds membership, 4Front Credit Union became a reality, opening its doors as a single institution on January 2, 2015. There's more to leaving "good" behind and aspiring to be great than simply changing signs and launching a new website, though. We've still got plenty of work in front of us. Joining two successful institutions might seem easy, but it's been a tough row to hoe and will continue to be for a little while longer. But we're up to the challenge. We'll get there soon, but until then, our terrific team of passionate problem-solvers stands ready to do whatever we can to turn that "good" into "great."

...and the Awesome

As a 4Front member you’ll enjoy the same time-saving account management tools offered by national banks, but with one significant difference – our unwavering commitment to creating the same personal connections we've sought with our members for the past 60 years. We’ll never forget who we are, but more importantly, we’ll never forget who YOU are. Your financial well-being is at the heart of our pledge to you, and while plenty of financial institutions make promises, we follow through by ensuring our members enjoy some of the lowest rates on loans and the highest rates on deposits they can find. We pair these great rates with minimal service fees, rewarding our members for doing right by their fellow members. Our mission isn’t to make money for shareholders at your expense; it’s to do everything we can to ensure the financial needs of our members are met and their expectations exceeded. That's not good, that's great!

Now that you know about us, we'd love to learn more about you! Become a member and reach your personal financial goals faster with our tailored suite of financial solutions, while enjoying lower loan rates, low or no service fees, and higher returns on your deposits. Membership is available to anyone living, working, worshipping, or doing business within any of Michigan's 83 counties. And, once you're a member, your spouse, children, siblings, and parents can join, no matter where they live!

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