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.

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.

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.