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4Front Credit Union

Online Banking Future Dated Transfers in Drafted Status 

Since the recent update to our online banking platform we have experienced ongoing issues with future dated transfers. We are working on a fix and apologize for any inconvenience this has caused.      

Members who set up future dated transfers in online banking may have problems with the transfers going through as the status of these transfers is getting stuck in "drafted" status.

The transactions are still appearing in the 'Funds Transfer - Processed' and 'Activity Center' sections of online banking but are not being processed at this time.

We appreciate your patience as we attempt to improve your banking experience. 4Front Credit Union strives to provide members with the latest enhancements in virtual banking technology.

If you would like more information or require immediate assistance please contact a 4Front representative at 800.765.0110.

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Vehicle Loans

Most financial instutions make lending decisions based upon the the vehicle -- its year, make, model, condition. At 4Front Credit Union, we believe that loans are made to people, not vehicles. If our members believe a particular car, truck, RV, or snowmobile is the right fit for them, who are we to suggest otherwise? 

Connected Lending  Putting you in the driver's seat

Our connected lending online loan application makes purchasing your vehicle or outdoor toy easy and fast! So what are you waiting for? Begin the short trip to a 4Front-financed auto, boat or RV now and spend your spare time in the driver's seat, not in a lobby chair!

Apply Now

Cars and Trucks  Vehicles you want to drive, rates and terms you want to celebrate

Learn why 4Front finances more used vehicles than any lender in northern Michigan. Check out the rates that allow more of your friends and neighbors to drive the car or truck they want with the terms they can afford.

  • Low rates and flexible terms up to 78 months
  • Pre-approvals before you shop, offering you maximum buying power
  • No early pay-off penalty
  • Refinancing available
  • Protection plans available to cover you in case of loss, accidents, or breakdowns

Recreational Vehicles  Northern Michigan... the way it's meant to be enjoyed

Northern Michigan is one of our country's premier recreation destinations, so why not take full advantage of our very own outdoor paradise? A 4Front-financed boat, RV, ATV, snowmobile or personal watercraft can give you an entirely new perspective on the true beauty that surrounds us. And you'll be enjoying our area with money in your pocket since our budget-friendly secured loan rates won't cramp your recreation style.

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Secured Loan Rates

Secured Loans
Effective Date: Monday, January 16th, 2017
Cars (New or Used), Campers, Jet Skis, Snowmobiles, Motor Homes, and Motorcycles
TermAPR as low as*
12 to 48 months 2.440%
49 to 65 months 2.440%
66 to 78 months 2.940%
*Rates determined by member's credit worthiness and down payment