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!

Boyne City and East Jordan ATMs to be offline for updates

Scheduled maintenance of our Boyne City and East Jordan ATMs will require them to be taken offline for the dates and times listed below:

Boyne City
Monday, 7/22 at 5:00pm ET - Tuesday, 7/23 at 6:00am ET

East Jordan
Wednesday, 7/24 at 7:00pm ET - Thursday, 7/25 at 6:00am ET

To find a surcharge-free CO-OP Network ATM near you, click HERE.

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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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Loan Payments

4Front auto and personal loans, mortgages and lines of credit deliver low rates, flexible terms and an easy application and approval process. We offer multiple loan payment avenues to ensure making your payments is just as fast and easy as your borrowing process!

Virtual Banking External Transfers  Enroll online and make payments from an external account

4Front's virtual banking experience is designed for you to spend less time staring at a screen and more time enjoying everything northern Michigan has to offer. New members can enroll in minutes and schedule a loan payment (one-time or recurring) from another financial institution by using the platform's external transfer feature. Learn more with our handy external account video tutorial.

Or better yet, why not take full advantage of your 4Front membership and enjoy our market-leading 4.00% (4.08% APY*) cashback checking account, Straight4ward Rewards Checking? Perform four basic banking tasks each month and earn the best rate around!

Express Pay  One-time payment, no registration required

Did your payment due date sneak up on you? We get it. Life happens. Make a single payment securely and conveniently with Express Pay. To use Express Pay, you'll need the last four digits of your 4Front account number and the last four digits of your Social Security number.

  • Use your checking, savings, debit or credit card from another financial institution
  • Make payments on your 4Front auto or personal loan, 4Front mortgage (Member First Mortgage products excluded) or line of credit
  • No registration required
  • Payment information is not stored, no transaction history available
  • $10 per payment fee
  • Available 24 hours a day, 7 days a week
  • Choose "Express Pay" after clicking "Make Payment" button

mAKE A PAYMENT

AutoPay  Schedule your payments, simplify your life

Stay in front of your financial obligations by establishing a scheduled payment each month with AutoPay. To use AutoPay, you'll need the last four digits of your 4Front account number and the last four digits of your Social Security number.

  • Use your checking, savings, debit or credit card from another financial institution
  • Make payments on your 4Front auto or personal loan, 4Front mortgage (Member First Mortgage products excluded) or line of credit
  • Requires registration with an email address and password
  • Enables the scheduling of recurring payments to avoid missing due dates
  • Allows viewing of your transaction history
  • No fees
  • Available 24 hours a day, 7 days a week

mAKE A PAYMENT

Telephone Payment  Making a payment is only a telephone call away

Make your payment with the assistance of a 4Front team member.

  • Use your checking, savings, debit or credit card from another financial institution
  • Make payments on your 4Front auto or personal loan, 4Front mortgage (Member First Mortgage products excluded) or line of credit
  • Available Monday through Friday 8:30am - 5:30pm and Saturday 9:00am - 1:00pm
  • $20 per payment fee
  • Call toll-free 800.765.0110

Mailed Payments  Old school, courtesy of the U.S. Postal Service

If you still prefer writing checks, licking envelopes and sticking stamps, we've got you covered there, too. Make your check payable and mail to:

4Front Credit Union
P.O. Box 187
Traverse City, MI 49685

Be sure to include a completed loan coupon to ensure we know which loan to credit payment towards. This sheet of printable loan coupons will help.

Branch Payments  Stop by any of our 14 locations

Visit any of our branch locations across northern Michigan to make your payment.

  • Use your checking, savings, debit or credit card from another financial institution
  • 14 locations to serve you, hours of availability dependent upon location
  • No fees

Payments may also be submitted via VideoTeller, our in-car banking service available at select locations and available Monday thru Friday 7:00am - 7:00pm and Saturday 9:00am - 2:00pm. VideoTeller locations can be found in our locations listing and are denoted by the VideoTeller logo logo.

Frequently Asked Questions

You can utilize the online payment portal to make payments on 4Front auto and personal loans, mortgages (Member First Mortgage products excluded), and lines of credit.

To submit payment via the Express Pay or AutoPay processes, you’ll need the last four digits of your 4Front account number and the last for digits of your Social Security number.

Payments will be posted the day of the transaction or the following business day.

A confirmation email will be sent to the email address you provided.

We assess fees only when necessary and do so to ensure our membership is not penalized when individual members require services that either require additional costs or demand additional staff attention. Both the Express Pay and telephone payment options generate additional processing costs assessed to the credit union.

We offer several fee-free options for making loan or credit card payments.

  1. Enroll in virtual banking. 4Front members may utilize virtual banking to establish fee-free payments from your 4Front account (via Bill Pay or account transfer) or originate payments from an outside financial institution via external account transfer. If you have not enrolled in virtual banking, you may do so HERE.
  2. Create a recurring payment with AutoPay. Create a username and password and schedule recurring payments.

You may also mail your payment, visit one of our 14 locations or utilize our in-car banking service VideoTeller. VideoTeller is currently available at our East Jordan, Kalkaska, Mancelona, Petoskey (Mitchell Road) and Traverse City (Hastings Street) locations. Branch hours vary by location. VideoTeller is available Monday thru Friday 7am – 7pm and Saturday 9am – 2pm.

You may pay off your loan by contacting us at 800.765.0110 or by visiting any one of our 14 locations.

Loans are searchable by the borrower and co-borrower’s names. You will not be able to view a loan if you are not listed as a borrower or co-borrower. A loan must also be considered in good standing to be accessed via our online payment portal.

Please contact the financial institution where the originating external account resides.

Terms and conditions are available HERE.

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Secured Loan Rates

Secured Loans
Effective Date: Saturday, July 20th, 2019
Autos, motorcycles, motor homes, campers, watercraft, RVs, ATVs, snowmobiles & tractors
TermAPR as low as*
12 to 66 months 4.44%
67 to 78 months 4.64%
79 to 84 months 5.24%
85 to 120 months 5.54%
121 to 180 months 6.34%

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

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