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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!

Charlevoix drive-thru services suspended until October 30 for VideoTeller upgrade

Beginning Monday, October 7, drive-thru services at our Charlevoix location, including the ATM, will be unavailable as we upgrade your in-car banking experience to VideoTeller. If installation proceeds as anticipated, we expect to reopen the lanes with VideoTeller on Wednesday, October 30. Note that northern Michigan's unpredictable fall weather and other unforeseen circumstances can impact our installation schedule so keep an eye on this space for necessary project updates.

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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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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.

CONSUMER LOAN BUSINESS SAVINGS & CDS
CONSUMER CREDIT CARD BUSINESS CHECKING
MORTGAGES BUSINESS CREDIT CARD
CONSUMER SAVINGS & CDS  
CONSUMER CHECKING  

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

Consumer Loan Rates

Vehicle, Boat and RV Loans
Effective Date: Friday, December 13th, 2019
Autos, motorcycles, motor homes, campers, boats, RVs, ATVs, snowmobiles, PWCs & tractors
TermAPR 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.

Apply

 

Personal Unsecured Loans
Effective Date: Friday, December 13th, 2019
TermAPR as low as*
60 months 9.04%

*Rates determined by member's credit worthiness and down payment.

Apply

 

Home Equity Loans
Effective Date: Friday, December 13th, 2019
Loan TypeLoan-to-ValueAPR 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.

Apply

 

Credit Cards
Effective Date: Friday, December 13th, 2019
TypeTermAPR as low as*
Smart Credit Mastercard Variable 10.71%

*Rates determined by member's credit worthiness and down payment.

Apply

 

Other Loans
Effective Date: Friday, December 13th, 2019
TypeTermAPR as low as*
  Variable 10.71%

*Rates determined by member's credit worthiness and down payment.

MORTGAGEs

(updated 12/12/2019 8:28 AM CT)

Conventional Rate *APR Points
3.846% 0.000%
3.311% 0.375%
97% Conventional Rate *APR Points
4.539% 0.000%
FHA Rate *APR Points
4.507% 0.000%
4.557% 0.000%

* Annual Percentage Rate

30 Year Fixed Rate

A 30 year fixed rate mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. By choosing a 30 year fixed rate mortgage, you'll have the lowest monthly payment of all the fixed rate loans we offer. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

30 Year Fixed Rate
15 Year Fixed Rate

A 15 year mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. Often people who are planning for retirement choose the 15-year fixed-rate loan so their home will be paid off when they stop working full time. Monthly payments on a 15-year loan are approximately 25% higher than payments on a 30-year loan even though the interest rates on 15-year loans are typically a quarter of one percent lower. That's because more principal is being repaid with every payment. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

15 Year Fixed Rate
97% Fannie Mae Conventional

A 30 year fixed rate mortgage provides a monthly payment that doesn't change. The fixed rate mortgage is the most popular loan option available today. By choosing a 30 year fixed rate mortgage, you'll have the lowest monthly payment of all the fixed rate loans we offer. Like all the loan programs we offer, there is no prepayment penalty - you can make extra payments monthly or pay off the loan early without penalties or fees.

97% Fannie Mae Conventional
FHA 30 Year Fixed Rate

FHA mortgages are designed to provide low down payment financing and are a great option to consider if you are trying to finance a new home with as little cash as possible. A fixed rate mortgage provides the security of a monthly payment that won't change.

FHA 30 Year Fixed Rate
FHA 15 Year Fixed Rate

FHA mortgages are designed to provide low down payment financing and are a great option to consider if you are trying to finance a new home with as little cash as possible. A fixed rate mortgage provides the security of a monthly payment that won't change.

FHA 15 Year Fixed Rate

MORE INFO

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Consumer Savings Rates

Prime Share
Effective Date: Friday, December 13th, 2019
TypeMinimumDividend RateAPY*
Prime Share $1.00 0.10% 0.10%
Designated Share None 0.10% 0.10%
Christmas Club None 0.10% 0.10%
eShare None 0.10% 0.10%

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

Money Market Share
Effective Date: Friday, December 13th, 2019
Average Daily BalanceDividend RateAPY*
$1,000 - 9,999 0.20% 0.20%
$10,000 - 24,999 0.25% 0.25%
$25,000 - 49,999 0.30% 0.30%
$50,000 or more 0.35% 0.35%

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

Certificates of Deposit (Regular, Traditional & Roth IRA)
Effective Date: Friday, December 13th, 2019
TermDividend RateAPY*Minimum
6 Mo 0.30% 0.30% $1,000
12 Mo 1.30% 1.31% $1,000
18 Mo 0.85% 0.85% $1,000
24 Mo 1.08% 1.09% $1,000
30 Mo 1.18% 1.19% $1,000
36 Mo 1.28% 1.29% $1,000
48 Mo 1.45% 1.46% $1,000
60 Mo 2.00% 2.02% $1,000

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

Jumbo Certificates of Deposit (Regular, Traditional & Roth IRA)
Effective Date: Friday, December 13th, 2019
TermDividend RateAPY*Minimum
12 Mo 1.45% 1.46% $100,000
18 Mo 1.00% 1.00% $100,000
24 Mo 1.23% 1.24% $100,000
30 Mo 1.33% 1.34% $100,000
36 Mo 1.43% 1.44% $100,000
48 Mo 1.60% 1.61% $100,000
60 Mo 2.15% 2.17% $100,000

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

Individual Retirement Accounts (IRA)
Effective Date: Friday, December 13th, 2019
NameMinimumDividend RateAPY*
Traditional IRA None 0.84% 0.84%
Roth IRA None 0.84% 0.84%

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

Health Savings Accounts (HSA)
Effective Date: Friday, December 13th, 2019
MinimumDividend RateAPY*
None 0.10% 0.10%

*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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Consumer Checking Rates

Straight4ward Rewards Checking
Effective Date: Friday, December 13th, 2019
Average Daily BalanceDividend RateAPY*
Up to $15,000 4.00% 4.08%

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

4Front Checking
Effective Date: Friday, December 13th, 2019
MinimumDividend RateAPY*
None 0.00% 0.00%

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

Money Market Checking
Effective Date: Friday, December 13th, 2019
Average Daily BalanceDividend RateAPY*
$1,000 - 9,999 0.10% 0.10%
$10,000 - 24,999 0.15% 0.15%
$25,000 - 49,999 0.15% 0.15%
$50,000 or more 0.20% 0.20%

*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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Our Two-Part Fee Pledge

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.

Consumer Fee Schedule

Share Draft
Effective Date: October 1, 2018
NameFee
Image Copy
(staff assistance)
$2.00 per copy
Stop Payment $25.00 per item
Bill Pay Inactivity $5.00 per month
(after 2 months of non-use)

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 Deposited Item
(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: October 1, 2018
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
(may be waived based upon relationship)
$3.00
Inactive Checking Account $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 $50.00
Starter Checks 4 sheets free
(then $2.00 per)

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Business Savings Rates

Business Prime Share
Effective Date: Friday, December 13th, 2019
TypeMinimumDividend RateAPY*
Business Prime $1.00 0.10% 0.10%
Business Designated Share None 0.10% 0.10%

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

Business Money Market Share
Effective Date: Friday, December 13th, 2019
Average Daily BalanceDividend RateAPY*
$5,000 - 24,999 0.20% 0.20%
$25,000 - 49,999 0.25% 0.25%
$50,000 - 99,999 0.25% 0.25%
$100,000 - 249,999 0.30% 0.30%
$250,000 or more 0.35% 0.35%

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

Business Certificates of Deposit
Effective Date: Friday, December 13th, 2019
TermDividend RateAPY*Minimum
6 Mo 0.30% 0.30% $1,000
12 Mo 1.30% 1.31% $1,000
18 Mo 0.85% 0.85% $1,000
24 Mo 1.08% 1.09% $1,000
30 Mo 1.18% 1.19% $1,000
36 Mo 1.28% 1.29% $1,000
48 Mo 1.45% 1.46% $1,000
60 Mo 2.00% 2.02% $1,000

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

Business Jumbo Certificates of Deposit
Effective Date: Friday, December 13th, 2019
TermDividend RateAPY*Minimum
12 Mo 1.45% 1.46% $100,000
18 Mo 1.00% 1.00% $100,000
24 Mo 1.23% 1.24% $100,000
30 Mo 1.33% 1.34% $100,000
36 Mo 1.43% 1.44% $100,000
48 Mo 1.60% 1.61% $100,000
60 Mo 2.15% 2.17% $100,000

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

Business Checking Rates

4Front Business Checking
Effective Date: Friday, December 13th, 2019
Average Daily BalanceDividend RateAPY*
$5,000 - 24,999 0.15% 0.15%
$25,000 - 49,999 0.20% 0.20%
$50,000 - 99,999 0.20% 0.20%
$100,000 or more 0.25% 0.25%

*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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Business Credit Card Rates

Business Smart Credit Mastercard
Effective Date: Friday, December 13th, 2019
NameTermAPR as low as*
Business Smart
Credit Mastercard
Revolving Prime + 6.50%

*Rates determined by member's credit worthiness and down payment.

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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: October 1, 2018
NameFee
Foreign Item Deposit $20.00 per item
NSF/EFT Returned $25.00 each
(up to 2 per day, then $5.00 per)
Returned Deposited Item
(from member's other institution)
$25.00
Overdraft Protection $10.00 per transfer

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: October 1, 2018
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
Autobooks Service Fee $10.00 per month
Remote Deposit Capture (RDC) Service Fee $45.00 per month

Miscellaneous Fees
Effective Date: October 1, 2018
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
Inactive Checking Account $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 Fee 3 free per month
(then $1.50 per)
Outgoing Domestic Wire $20.00
Outgoing International Wire $50.00
Starter Checks 4 sheets free
(then $2.00 per)

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