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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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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 Savings/Checking Rates Business Savings/Checking Rates
Personal Investment Rates Business Investment Rates

We don't like fees.  Fees are not our friends here at 4FrontRead more about how we feel about fees.

Loan Rates

Secured Loans
Effective Date: Sunday, March 26th, 2017
Cars (New or Used), Campers, Jet Skis, Snowmobiles, Motor Homes, and Motorcycles
TermAPR as low as*
12 to 66 months 2.940%
67 to 78 months 3.240%
*Rates determined by member's credit worthiness and down payment

Extended Term Financing1
Effective Date: Sunday, March 26th, 2017
Boats and RVs
TermAPR as low as*Minimum
79 to 84 months 3.740% Over $10,000
85 to 120 months 3.940% $30,000
121 to 180 months 4.740% $30,001+
1Extended term financing (79-180 months) available for high-dollar value purchases of Boats & RVs
*Rates determined by member's credit worthiness and down payment

Personal Loans
Effective Date: Sunday, March 26th, 2017
Loan TypeTermAPR as low as*
Signature (Unsecured) 60 months 10.000%
Share Secured2 60 months 4.100%
Secured 66 months 2.940%
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: Sunday, March 26th, 2017
Loan TypeTermAPR as low as*
Smart Credit Card Variable 9.21%
Overdraft Protection Revolving 10.00%
*Rates determined by member's credit worthiness and down payment

Home Equity Loans
Effective Date: Sunday, March 26th, 2017
Loan TypeLoan-to-ValueAPR as low as*
Open-end
Line of Credit3
80.00% Prime
Open-end
Line of Credit3
90.00% Prime + 1.50%
Closed-end 85.00% 5.750%

3No fees if $50,000
*Rates determined by member's credit worthiness and down payment

MORTGAGES

Click HERE for our current mortgage rates or to request a personalized quote.

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Savings Rates

Prime Share
Effective Date: Sunday, March 26th, 2017
TypeDividend RateAPY*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: Sunday, March 26th, 2017
Average Daily BalanceAPY*
$1,000 - 9,999 0.15%
$10,000 - 24,999 0.20%
$25,000 - 49,999 0.25%
$50,000 or more 0.30%

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

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

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Checking Rates

4Front Checking
Effective Date: Sunday, March 26th, 2017
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: Sunday, March 26th, 2017
Average Daily BalanceAPY*
$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

Investment Rates

Individual Retirement Accounts (IRA)
Effective Date: Sunday, March 26th, 2017
NameRateAPY*Minimum
Traditional IRA 0.650% 0.65% None
Roth IRA 0.650% 0.65% 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: 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

Jumbo Share Certificates (Regular, Traditional & Roth IRA)
Effective Date: Sunday, March 26th, 2017
TermDividend RateAPY*Minimum
12 Mo 0.50% 0.50% $100,000
18 Mo 0.50% 0.50% $100,000
24 Mo 0.65% 0.65% $100,000
36 Mo 1.15% 1.16% $100,000
48 Mo 1.20% 1.21% $100,000
60 Mo 1.30% 1.31% $100,000

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

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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
NameFee
Image Copy
(staff assistance)
$2.00 per copy
Stop Payment $25.00 per item

Check/EFT
Effective Date: January 2, 2015
NameFee
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
NameFee
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
NameFee
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)

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Business Savings Rates

Business Prime Share
Effective Date: Sunday, March 26th, 2017
TypeRateAPY*Minimum
Business Prime 0.100% 0.10% $1.00
Business Designated Share 0.100% 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: Sunday, March 26th, 2017
Average Daily BalanceAPY*
$5,000 - 24,999 0.150%
$25,000 - 49,999 0.200%
$50,000 - 99,999 0.200%
$100,000 or more 0.250%

*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: Sunday, March 26th, 2017
Average Daily BalanceAPY*
$5,000 - 24,999 0.150%
$25,000 - 49,999 0.200%
$50,000 - 99,999 0.200%
$100,000 or more 0.250%

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

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Business Loan Rates

Business Smart Credit MasterCard
Effective Date: Sunday, March 26th, 2017
NameTermAPR 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: 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 0.45% 0.45% $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

Business Jumbo Share Certificates
Effective Date: Sunday, March 26th, 2017
TermDividend RateAPY*Minimum
12 Mo 0.50% 0.50% $100,000
18 Mo 0.50% 0.50% $100,000
24 Mo 0.65% 0.65% $100,000
36 Mo 1.15% 1.16% $100,000
48 Mo 1.20% 1.21% $100,000
60 Mo 1.30% 1.31% $100,000

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

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Business Fee Schedule

Share Draft
Effective Date: March 1, 2016
NameFee
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
NameFee
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
NameFee
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
NameFee
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
NameFee
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)

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