Got it. Take me to Online Credit Card Access   Credit Card

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!

Virtual banking scheduled maintenance Sunday, October 7 from 6:00 am - noon ET

The 4Front virtual banking platform will undergo necessary maintenance Sunday, October 7 from 6:00 am - noon ET. During this timeframe, Online and Mobile Banking will remain available for use; however, account balances and transaction histories may not reflect current day transactions until maintenance is completed. Telephone Banking will not be available in any capacity during this maintenance window and ancillary systems such as our Connected Lending online loan application and Autobooks business accounting platform may also be impacted.

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

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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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Investments

4Front Credit Union, through CFS*, offers its members hundreds of investment options which can be assembled to ensure a healthy blend of risk and growth tailored to the member's specific needs.

Mutual Funds | Assemble a strategic portfolio

Mutual fund are investment vehicles comprised of a pool of monies collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other assets. Mutual funds are operated by professional money managers, who allocate the fund's investments and attempt to produce capital gains and/or income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.

Investors should be aware that there are risks inherent in all investments, such as fluctuations in investment principal. This is particularly true for mutual funds.

Stocks and Bonds | Traditional investment tools remain effective

A stock is a type of security signifying ownership in a particular corporation and allows a claim on a portion of the corporation's assets and earnings. Owning stock in a company represents partial ownership of the corporation the extent to which is determined by the number of shares owned and the number of outstanding shares, or the number of stocks owned by other shareholders.

Bonds are fixed income investments in which an investor loans money to an entity, typically a corporation or government. Bonds are utilized by these entities to raise money for projects and activities and subsequently pay interest to the investor based upon a variable or fixed rate.

Our Team

4Front offers wealth management services through its relationship with CUSO Financial Services, L.P. You'll enjoy the same knowledgable guidance and tailored solutions from financial professionals Eric Gandy and Derrel Kent that you've received over the course of your relationship with 4Front Credit Union.

Financial AdvisorEric Gandy | Financial Advisor

CUSO Financial Services, L.P.
at 4Front Credit Union

Whether you’re just starting to save, anticipating college expenses, wishing to discuss the right time to retire, or wondering how long your current nest egg will last, Eric’s proven client-centric approach ensures a solid foundation regardless of life stage or financial goals.

Licenses held:

  • Series 7 (General Securities)
  • Series 66 (Uniformed Combined State Law)
  • Life, Accident and Health Insurance
  • Variable Contracts

A graduate of Saginaw Valley State University, Eric earned a degree in Business Management.

Eric meets with members at 4Front locations in Kalkaska*, Manistee* and four Traverse City offices. Discuss your wealth management needs and develop a solid retirement strategy with Eric today by calling 231.943.2624.

*Appointment only

Financial AdvisorDerrel Kent | Financial Consultant

CUSO Financial Services, L.P.
at 4Front Credit Union

A longtime teacher and school administrator, Derrel brings an educator's mindset to financial consulting. He's devoted his working career to helping others learn and develop skills. Being a financial professional enables him to do that in a different capacity.

Licenses held:

  • Series 6 (Investment Company Products/Variable Contracts)
  • Series 63 (Uniform Securities Agent State Law)
  • Life, Accident and Health Insurance
  • Variable Contracts

Derrel holds a degree in Education from Central Michigan University and a Master's in Educational Leadership from Grand Valley State University.

Derrel hosts members at 4Front offices in Bellaire*, Boyne City*, Charlevoix, East Jordan*, Mancelona* and Petoskey*. Let Derrel help you plan for retirement by calling 231.943.2652.

*Appointment only

 

Connect with a CUSO Financial Services, L.P. financial professional by completing and submitting the form below.


THIS CONTACT FORM IS NOT ENCRYPTED. Please use use contact form below for general inquiries. Do not include sensitive personal information llike account numbers, Social Security numbers, etc.

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    *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 4Front Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

    CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

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    IRA Rates

    Individual Retirement Accounts (IRA)
    Effective Date: Sunday, December 9th, 2018
    NameMinimumDividend RateAPY*
    Traditional IRA None 0.84% 0.84%
    Roth IRA None 0.84% 0.84%

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

    Red Hot Best 2015 Winner Red Hot Best 2016 Winner Red Hot Best Winner
      Red Hot Best 2018 logo  

      Best Financial Institution '15, '16, '17, '18

    News-Review Best of the Northwest

     Best Credit Union '15, '16, '17, '18

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