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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

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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Personal 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.

APPLY

Personal Loans
Effective Date: Saturday, July 20th, 2019
Loan TypeTermAPR as low as*
Signature (Unsecured) 60 months 9.24%
Share Secured2 60 months 4.10%

2Share secured rate is 4.0% over the APY of the current Prime Share rate.
*Rates determined by member's credit worthiness and down payment.

APPLY

Other Loans
Effective Date: Saturday, July 20th, 2019
Loan TypeTermAPR as low as*
Smart Credit Mastercard Variable 11.21%
Overdraft Protection Variable 11.21%

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

APPLY

Home Equity Loans
Effective Date: Saturday, July 20th, 2019
Loan TypeLoan-to-ValueAPR as low as*
Open-end
Line of Credit
80.00% Prime
Open-end
Line of Credit
90.00% Prime + 1.50%

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

APPLY

MORTGAGES

(updated 07/19/2019 8:31 AM CT)

Conventional Rate *APR Points
3.867% 0.250%
3.401% 0.125%
97% Conventional Rate *APR Points
4.539% 0.000%
FHA Rate *APR Points
4.764% 0.000%
4.557% 0.000%

* Annual Percentage Rate

30 Year Fixed Rate

A 30 year fixed rate mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. By choosing a 30 year fixed rate mortgage, you'll have the lowest monthly payment of all the fixed rate loans we offer. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

30 Year Fixed Rate
15 Year Fixed Rate

A 15 year mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. Often people who are planning for retirement choose the 15-year fixed-rate loan so their home will be paid off when they stop working full time. Monthly payments on a 15-year loan are approximately 25% higher than payments on a 30-year loan even though the interest rates on 15-year loans are typically a quarter of one percent lower. That's because more principal is being repaid with every payment. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

15 Year Fixed Rate
97% Fannie Mae Conventional

A 30 year fixed rate mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. By choosing a 30 year fixed rate mortgage, you'll have the lowest monthly payment of all the fixed rate loans we offer. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

97% Fannie Mae Conventional
FHA 30 Year Fixed Rate

FHA mortgages are designed to provide low down payment financing and are a great option to consider if you are trying to finance a new home with as little cash as possible. A fixed rate mortgage provides the security of a monthly payment that won't change.

FHA 30 Year Fixed Rate
FHA 15 Year Fixed Rate

FHA mortgages are designed to provide low down payment financing and are a great option to consider if you are trying to finance a new home with as little cash as possible. A fixed rate mortgage provides the security of a monthly payment that won't change.

FHA 15 Year Fixed Rate

MORE INFO

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