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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.
Got it. Take me to Online Credit Card Access   Credit Card
4Front Credit Union

Alert!

Veterans Day is Wednesday, November 11. Thank you to those who served and serve.

We extend our deepest appreciation to those who choose to defend our freedoms. While 4Front locations, telephones and VideoTellers will remain available normal hours on November 11, the Federal Reserve Bank will be closed.

As a result, 4Front will not receive any deposits or withdrawals for automated clearing house (ACH) transactions. This may also impact members who receive early payroll or other ACH deposits via Fast4ward Payday.

Additionally, incoming wires to 4Front from other financial institutions will not be received or posted to members’ accounts. Outgoing wires will be held until they can be processed on Thursday, November 12.

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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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Savings

No matter your need, income, or plans, the key to achieving financial strength is a long-term savings program. 4Front has a savings plan that can help you realize your financial goals, because our accounts consistently pay higher than average bank dividends. It's just another reason why money savvy people trust 4Front to help them strengthen their personal finances.

Are you saving for a particular purpose with a specific time in mind to access your funds? We're pleased to offer Plinqit®, a savings app that allows you to establish automatic deposits to save for up to five different goals. Plinqit also provides cash rewards, both for fulfilling the savings goals you set AND completing Build Skills™ tasks -- quick financial literacy exercises that help you develop better budgeting, savings, spending and borrowing habits.

EXPLORE PLINQIT

4Front Prime Share  The cornerstone of your financial future

"Share" is credit union talk for "savings." We use "prime share" to convey the ownership our members enjoy in 4Front. Like stockholders, each member owns a share in the credit union, making our members our owners. The Prime Share is the gateway to all 4Front products and services.

  • Minimum initial deposit and ongoing balance is $1.00
  • Dividend is paid monthly and based on average daily balance
  • Dividend Rate is subject to change daily
  • Funds can be accessed using an ATM Card
  • Can be used as collateral on loans

4Front Money Market Share  Grow your savings while ensuring access

A powerful tool to save and earn higher dividends at the same time, the 4Front Money Market Share offers both value and flexibility.

  • No minimum deposit
  • Earn higher dividends on average monthly balances over $1,000
  • Dividend rates change with market conditions
  • Funds are available for immediate withdrawal
  • No minimum withdrawal requirements

View rates associated with 4Front savings solutions or speak with a Member Service Representative for more information.

Certificates of Deposit  Many options, one valuable result

4Front certificates of deposit (CD) deliver high-yield, limited risk investment with tailored terms, offering an excellent option for those seeking solid growth for an extended period of time. CDs offer fixed rates with terms from 6 to 60 months, designed to fit your particular savings need. We offer a complete suite of CDs including both traditional and Roth IRA certificates.

Individual Retirement Accounts (IRA)  |  Grow your retirement savings with tax-deferred contributions

Working to build a comfortable retirement nest egg is its own challenge. Along with our robust retirement planning resources 4Front offers a variety of options tailored to fit your current and future financial needs. Options include Traditional IRAs, Roth IRAs and IRA Certificates of Deposit, view our investment rates or consult a Member Service Representative today to learn how 4Front can help you plan for a better retirement.

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 Bill Pay 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.

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Certificate of Deposit Rates

Certificates of Deposit (Regular, Traditional & Roth IRA)
Effective Date: Thursday, December 3rd, 2020
TermDividend RateAPY*Minimum
6 Mo 0.15% 0.15% $1,000
12 Mo 0.40% 0.40% $1,000
18 Mo 0.40% 0.40% $1,000
24 Mo 0.50% 0.50% $1,000
30 Mo 0.50% 0.50% $1,000
36 Mo 0.70% 0.70% $1,000
48 Mo 0.80% 0.80% $1,000
60 Mo 1.05% 1.06% $1,000

*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.

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