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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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4Front Credit Union

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Toll-free, local, direct dial and Telephone Banking currently experiencing connection issues

Our telephone provider is currently experiencing sporadic connection issues impacting our toll-free, local and direct dial telephone lines, including Telephone Banking services. Callers are experiencing a busy signal followed by disconnection. Our provider is working diligently to resolve these issues as rapidly as possible. While Telephone Banking is impacted by this issue, Online and Mobile Banking services are unaffected and remain available for use.

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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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4Front Credit Union Go to main content

The Story of 4Front Credit Union

4Front Credit Union is a member-owned financial cooperative serving more than 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 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, shortly after 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.

...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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