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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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More Savings Solutions

Whether it's for a family vacation, the holidays, or a special purchase along the way, 4Front is pleased to offer several additional savings solutions so you can save the way YOU want.

Health Savings Accounts  Physical and financial fitness in one

Health Savings Accounts (HSA) are designed to help save tax-sheltered dollars to pay deductibles, prescription drug co-pays, and uncovered medical expenses that are commonly found in high-deductible health plans (HDHP).  4Front's no-fee HSAs require no minimum deposit and pay a fixed dividend on the average daily balance, maximizing your savings power and ensuring you have access to the monies necessary to take care of yourself and your loved ones.  Attach a 4Front debit card to your HSA and utilize online BillPay to take care of qualifying expenses quickly and conveniently.

Benefits of HSAs include tax deductible contributions and tax-free dividends and withdrawals.  For additional information on the tax benefits of HSAs, including a complete listing and explanation of qualified medical expenses, please visit www.irs.gov.

Share Certificates  Many options, one valuable result

4Front Share Certificates offer high-yield, limited risk investment with tailored terms, offering an excellent option for those seeking solid growth for an extended period of time. Share Certificates are the equivalent of traditional certificates of deposit, offering fixed rates with terms from 6 to 60 months. We offer a complete suite of Share Certificates including both Traditional and Roth IRA Certificates.

Christmas Club  Give yourself the gift of smart savings

It’s always better to give than receive, but when you open a 4Front Christmas Club account, you give yourself the gift of a smart savings plan. Deposit funds separately or via payroll deduction throughout the year and earn dividends on your deposits. In November, collect your funds to meet holiday and end-of-year spending challenges.

Designated Share  Your special purpose savings tool

The Designated Share is a customizable form of the 4Front Prime Share, allowing you to open as many as you wish, assign account names of your choosing, and fund them however you desire.

Explore our savings rates or connect with a Member Service Representative to learn more about any of these valuable savings tools today.

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Health Savings Account Rates

Health Savings Accounts (HSA)
Effective Date: Sunday, March 26th, 2017
APY*Minimum
0.10% None

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

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