Rates & Fees
4Front Credit Union is proud of our commitment to offering the very best value for our members. While we make every effort to maintain updated and accurate information, these rates and terms are subject to change without notice.
| Personal Loan | Business Savings/Checking |
| Personal Savings/Checking | Business Loans |
| Personal Investment | Business Investment |
We don't like fees. Fees are not our friends here at 4Front. Read more about how we feel about fees.
Personal Loan Rates
| Secured Loans | |
| Effective Date: Wednesday, August 15th, 2018 | |
| Autos, motorcycles, motor homes, campers, watercraft, RVs, ATVs, snowmobiles & tractors | |
| Term | APR as low as* |
| 12 to 66 months | 4.24% |
| 67 to 78 months | 4.44% |
| 79 to 84 months | 5.04% |
| 85 to 120 months | 5.34% |
| 121 to 180 months | 6.14% |
| *Rates and terms determined by member's credit worthiness and down payment | |
| Personal Loans | ||
| Effective Date: Wednesday, August 15th, 2018 | ||
| Loan Type | Term | APR 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 | ||
| Other Loans | ||
| Effective Date: Wednesday, August 15th, 2018 | ||
| Loan Type | Term | APR as low as* |
| Smart Credit Mastercard | Variable | 10.71% |
| Overdraft Protection | Variable | 10.71% |
| *Rates determined by member's credit worthiness and down payment | ||
| Home Equity Loans | ||
| Effective Date: Wednesday, August 15th, 2018 | ||
| Loan Type | Loan-to-Value | APR 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 | ||
MORTGAGES
Click HERE for our current mortgage rates or to request a personalized quote.
Personal Savings Rates
| Prime Share | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Type | Dividend Rate | APY* | Minimum |
| Prime Share | 0.10% | 0.10% | $1.00 |
| Designated Share | 0.10% | 0.10% | None |
| Christmas Club | 0.10% | 0.10% | None |
| eShare | 0.10% | 0.10% | None |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
| Money Market Share | |
| Effective Date: Wednesday, August 15th, 2018 | |
| Average Daily Balance | APY* |
| $1,000 - 9,999 | 0.20% |
| $10,000 - 24,999 | 0.25% |
| $25,000 - 49,999 | 0.30% |
| $50,000 or more | 0.35% |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |
| Health Savings Accounts (HSA) | |
| Effective Date: Wednesday, August 15th, 2018 | |
| APY* | Minimum |
| 0.10% | None |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |
Personal Checking Rates
| 4Front Checking | |
| Effective Date: Wednesday, August 15th, 2018 | |
| APY* | Minimum |
| 0.00% | None |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |
| Money Market Checking | |
| Effective Date: Wednesday, August 15th, 2018 | |
| Average Daily Balance | APY* |
| $1,000 - 9,999 | 0.10% |
| $10,000 - 24,999 | 0.15% |
| $25,000 - 49,999 | 0.15% |
| $50,000 or more | 0.20% |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |
Personal Investment Rates
| Individual Retirement Accounts (IRA) | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Name | Rate | APY* | Minimum |
| Traditional IRA | 0.84% | 0.84% | None |
| Roth IRA | 0.84% | 0.84% | None |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
| Share Certificates (Regular, Traditional & Roth IRA) | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Term | Dividend Rate | APY* | Minimum |
| 6 Mo | 0.20% | 0.20% | $1,000 |
| 12 Mo | 0.91% | 0.91% | $1,000 |
| 18 Mo | 1.00% | 1.01% | $1,000 |
| 24 Mo | 1.23% | 1.24% | $1,000 |
| 30 Mo | 2.02% | 2.04% | $1,000 |
| 36 Mo | 1.43% | 1.44% | $1,000 |
| 48 Mo | 1.60% | 1.61% | $1,000 |
| 60 Mo | 2.26% | 2.29% | $1,000 |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
| Jumbo Share Certificates (Regular, Traditional & Roth IRA) | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Term | Dividend Rate | APY* | Minimum |
| 12 Mo | 1.05% | 1.06% | $100,000 |
| 18 Mo | 1.16% | 1.16% | $100,000 |
| 24 Mo | 1.38% | 1.39% | $100,000 |
| 30 Mo | 2.19% | 2.19% | $100,000 |
| 36 Mo | 1.58% | 1.59% | $100,000 |
| 48 Mo | 1.75% | 1.77% | $100,000 |
| 60 Mo | 2.41% | 2.44% | $100,000 |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
Unlike a lot of banks, we don't like fees here at 4Front. We'd like to do away with fees forever but in order to keep offering high rates of return on deposits and some of the lowest loan rates you'll find, we simply can't. But we CAN be very selective about when and why fees are charged. To make sure that we never lose sight of the importance of no or low fees, we've developed a two-part promise to you, our member.
We'll never ding you with a silly fee. We develop creative solutions and products to help you reach your financial goals faster. This is where we want to spend our time and energy, not devising sneaky ways to squeeze a few bucks out of you.
We'll only assess fees that are representative of our cooperative spirit. 4Front is a not-for-profit financial cooperative, which means that every member is an owner with a stake in the success of our institution. We serve each of our members equally, regardless of their account balance. If one requires additional services that take us away from serving the entire membership, it's only fair they reimburse their fellow members for that additional needed attention.
We also pledge to always seek ways to reduce or eliminate current fees and to apply our philosophy to any possible new fees we may be obligated to consider. So there you have it, our perspective on fees... no silly service charges and only those necessary to ensure evenhanded, yet exceptional service and value to our membership.
Personal Fee Schedule
| Share Draft | |
| Effective Date: January 2, 2015 | |
| Name | Fee |
| Image Copy (staff assistance) |
$2.00 per copy |
| Stop Payment | $25.00 per item |
| Check/EFT | |
| Effective Date: January 2, 2015 | |
| Name | Fee |
| Courtesy Pay | $25.00 each (up to 2 per day, then no charge) |
| Foreign Item Deposit | $20.00 per item |
| NSF/EFT Returned | $25.00 each (up to 2 per day, then $5.00 per) |
| Returned NSF Deposit (from member's other institution) |
$25.00 per item |
| ACH / External Account Transfer (Online Banking) | |
| Effective Date: August 1, 2016 | |
| Name | Fee |
| New ACH Origination or Change to Existing Origination | $20.00 per item |
| ACH Return or Notice of Change | $15.00 per item |
| ACH Return (unauthorized) |
$25.00 per item |
| External Account Transfer Return or Notice of Change | $15.00 per item |
| External Account Transfer (unauthorized) |
$25.00 per item |
| Miscellaneous | |
| Effective Date: January 2, 2015 | |
| Name | Fee |
| Account Balancing/Research | $25.00 per hour (1 hour minimum) |
| Address Correction | $5.00 per event |
| Card Replacement | $10.00 |
| Card Replacement (rush) | $50.00 |
| Check Cashing | $3.00 |
| Coin Counting Machine | 3% on amounts $300 and above (applies to total) |
| Dormant Account (checking only) |
$5.00 per month (after 6 months of non-use) |
| Garnishment/Escheat/Tax Levy | $25.00 |
| Gift & Reloadable Travel Cards | $3.00 |
| Money Order | $2.00 |
| Non-CO-OP ATM Transaction | 3 free per month (then $1.50 per) |
| Outgoing Domestic Wire | $20.00 |
| Outgoing International Wire | $35.00 |
| Starter Checks | 4 sheets free (then $2.00 per sheet) |
Business Savings Rates
| Business Prime Share | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Type | Rate | APY* | Minimum |
| Business Prime | 0.10% | 0.10% | $1.00 |
| Business Designated Share | 0.10% | 0.10% | None |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
| Business Money Market Share | |
| Effective Date: Wednesday, August 15th, 2018 | |
| Average Daily Balance | APY* |
| $5,000 - 24,999 | 0.20% |
| $25,000 - 49,999 | 0.25% |
| $50,000 - 99,999 | 0.25% |
| $100,000 - 249,999 | 0.30% |
| $250,000 or more | 0.35% |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |
Business Checking Rates
| 4Front Business Checking | |
| Effective Date: Wednesday, August 15th, 2018 | |
| Average Daily Balance | APY* |
| $5,000 - 24,999 | 0.15% |
| $25,000 - 49,999 | 0.20% |
| $50,000 - 99,999 | 0.20% |
| $100,000 or more | 0.25% |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |
Business Loan Rates
| Business Smart Credit MasterCard | ||
| Effective Date: Wednesday, August 15th, 2018 | ||
| Name | Term | APR as low as* |
| Business Smart Credit Mastercard |
Revolving | Prime + 6.50% |
| *Rates determined by member's credit worthiness and down payment | ||
Business Investment Rates
| Business Share Certificates | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Term | Dividend Rate | APY* | Minimum |
| 6 Mo | 0.20% | 0.20% | $1,000 |
| 12 Mo | 0.91% | 0.91% | $1,000 |
| 18 Mo | 1.00% | 1.01% | $1,000 |
| 24 Mo | 1.23% | 1.24% | $1,000 |
| 30 Mo | 2.02% | 2.04% | $1,000 |
| 36 Mo | 1.43% | 1.44% | $1,000 |
| 48 Mo | 1.60% | 1.61% | $1,000 |
| 60 Mo | 2.26% | 2.29% | $1,000 |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
| Business Jumbo Share Certificates | |||
| Effective Date: Wednesday, August 15th, 2018 | |||
| Term | Dividend Rate | APY* | Minimum |
| 12 Mo | 1.05% | 1.06% | $100,000 |
| 18 Mo | 1.16% | 1.16% | $100,000 |
| 24 Mo | 1.38% | 1.39% | $100,000 |
| 30 Mo | 2.19% | 2.19% | $100,000 |
| 36 Mo | 1.58% | 1.59% | $100,000 |
| 48 Mo | 1.75% | 1.77% | $100,000 |
| 60 Mo | 2.41% | 2.44% | $100,000 |
*Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest | |||
Business Fee Schedule
| Share Draft | |
| Effective Date: March 1, 2016 | |
| Name | Fee |
| Image Copy (staff assistance) |
$2.00 |
| Stop Payment | $25.00 per item |
| Business Checking | 100 free per month (then .25 per) |
| Business Checking - 501(c)(3) | 300 free per month (then .25 per) |
| Business Bill Pay | 10 free per month (then $.75 per) |
| Business Bill Pay Inactivity | $5.00 per month (after 2 months of non-use) |
| Check/EFT | |
| Effective Date: March 1, 2016 | |
| Name | Fee |
| Foreign Item Deposit | $20.00 per item |
| NSF/EFT Returned | $25.00 each (up to 2 per day, then $5.00 per) |
| Returned NSF Deposit (from member's other institution) |
$25.00 |
| ACH | |
| Effective Date: August 1, 2016 | |
| Name | Fee |
| New ACH Origination or Change to Existing Origination | $20.00 per item |
| ACH Return or Notice of Change | $15.00 per item |
| ACH Return (unauthorized) |
$25.00 per item |
| Treasury Management Services | |
| Effective Date: August 1, 2016 | |
| Name | Fee |
| ACH Service Fee | $15.00 per month, $0.10 per transaction |
| ACH Return or Notice of Change | $15.00 per item |
| ACH Return (unauthorized) |
$25.00 per item |
| Miscellaneous Fees | |
| Effective Date: March 1, 2016 | |
| Name | Fee |
| Account Balancing/Research | $25.00 per hour (1 hour minimum) |
| Address Correction | $5.00 per event |
| Card Replacement | $10.00 |
| Card Replacement (rush) | $50.00 |
| Coin Counting Machine | 3% on amounts $300 and above (applies to total) |
| Dormant Account (checking only) |
$5.00 per month (after 6 months of non-use) |
| Garnishment/Escheat /Tax Levy | $25.00 |
| Draft/Check Printing | According to Draft Ordered |
| Gift & Reloadable Travel Cards | $3.00 |
| Money Order | $2.00 per |
| Non-CO-OP ATM Transaction Fee | 3 free per month (then $1.50 per) |
| Outgoing Domestic Wire | $20.00 |
| Outgoing International Wire | $35.00 |
| Starter Checks | 4 sheets free (then $2.00 per) |
