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4Front Credit Union

Our US 31 (Traverse City) location's drive thru and ATM lanes will be closed Saturday, March 25 - Thursday, March 30. 

Repair and resurfacing efforts will require closure of the drive thru and ATM lanes at the US 31 (Traverse City) branch location Saturday, March 25 - Thursday, March 30.

To minimize inconvenience, the lobby hours at this location will  be temporarily extended to match our normal drive thru hours during this timeframe.

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Individual Retirement Accounts (IRA)

Working to build a comfortable retirement nest egg is its own challenge. With a variety of options tailored to fit your current and future financial needs, 4Front can help you select the Individual Retirement Account (IRA) option that works for you.

Traditional IRAs  Grow your retirement savings with tax-deferred contributions

Traditional IRAs generate deferred earnings, meaning you won't owe any taxes until your funds are withdrawn from the account.

Roth IRAs  Enjoy tax-free withdrawals in retirement

Roth IRAs offer after-tax savings for a tax-free retirement income provided you hold the Roth IRA for at least five years and don’t take distributions before reaching age 59½.

IRA Share Certificates  Guaranteed returns over a specific term

These NCUA-insured instruments are among the safest retirement investments. They provide steady growth over a set term without the ups and downs of other retirement vehicles.

View our investment rates or consult a Member Service Representative today to learn how 4Front can help you plan for a better retirement.

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IRA Rates

Individual Retirement Accounts (IRA)
Effective Date: Sunday, March 26th, 2017
Traditional IRA 0.650% 0.65% None
Roth IRA 0.650% 0.65% None

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

IRA Share Certificate Rates

Share Certificates (Regular, Traditional & Roth IRA)
Effective Date: Sunday, March 26th, 2017
TermDividend RateAPY*Minimum
6 Mo 0.20% 0.20% $1,000
12 Mo 0.45% 0.45% $1,000
18 Mo 0.50% 0.50% $1,000
24 Mo 0.65% 0.65% $1,000
36 Mo 1.15% 1.16% $1,000
48 Mo 1.20% 1.21% $1,000
60 Mo 1.30% 1.31% $1,000

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