X We’ve adjusted the layout of our website a bit to streamline your 4frontcu.com experience! Enjoy this short tour of the improved online experience.

Your personal and business online banking login and other account management tools were located in this space previously...

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X ...but now you’ll find them here, in this tidy little expandable menu, along with our speedy online loan and credit card application, and more!

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X Your background customization tool was right here before...

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X ...and we’ve nudged it down here, resulting in less scrolling on the interior pages and a more user-friendly website! We hope the small layout changes enhance your 4frontcu.com experience!

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Got it. Take me to Online Credit Card Access   Credit Card

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!

Virtual banking scheduled maintenance Sunday, October 7 from 6:00 am - noon ET

The 4Front virtual banking platform will undergo necessary maintenance Sunday, October 7 from 6:00 am - noon ET. During this timeframe, Online and Mobile Banking will remain available for use; however, account balances and transaction histories may not reflect current day transactions until maintenance is completed. Telephone Banking will not be available in any capacity during this maintenance window and ancillary systems such as our Connected Lending online loan application and Autobooks business accounting platform may also be impacted.

We apologize for inconvenience incurred during this downtime as we work to complete this important maintenance as rapidly as possible.

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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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4Front Credit Union Go to main content

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 CD/IRA Business CD/IRA

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

Personal Loan Rates

Secured Loans
Effective Date: Saturday, October 20th, 2018
Autos, motorcycles, motor homes, campers, watercraft, RVs, ATVs, snowmobiles & tractors
TermAPR as low as*
12 to 66 months 4.44%
67 to 78 months 4.64%
79 to 84 months 5.24%
85 to 120 months 5.54%
121 to 180 months 6.34%

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

Personal Loans
Effective Date: Saturday, October 20th, 2018
Loan TypeTermAPR 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: Saturday, October 20th, 2018
Loan TypeTermAPR as low as*
Smart Credit Mastercard Variable 10.96%
Overdraft Protection Variable 10.96%

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

Home Equity Loans
Effective Date: Saturday, October 20th, 2018
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

MORTGAGES

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

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Personal Savings Rates

Prime Share
Effective Date: Saturday, October 20th, 2018
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

Money Market Share
Effective Date: Saturday, October 20th, 2018
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

Certificates of Deposit (Regular, Traditional & Roth IRA)
Effective Date: Saturday, October 20th, 2018
TermDividend RateAPY*Minimum
6 Mo 0.20% 0.20% $1,000
12 Mo 0.91% 0.91% $1,000
13 Mo** 2.02% 2.04% $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

**Available for a limited time. The 13 Month CD with a promotional rate of 2.04% APY must be comprised of funds outside of 4Front Credit Union or 10 percent in additional funds must be added to the monies currently on deposit with 4Front.

Jumbo Certificates of Deposit (Regular, Traditional & Roth IRA)
Effective Date: Saturday, October 20th, 2018
TermDividend RateAPY*Minimum
12 Mo 1.05% 1.06% $100,000
18 Mo 1.15% 1.16% $100,000
24 Mo 1.38% 1.39% $100,000
30 Mo 2.17% 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

Health Savings Accounts (HSA)
Effective Date: Saturday, October 20th, 2018
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

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Personal Checking Rates

Straight4ward Rewards Checking
Effective Date: Saturday, October 20th, 2018
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

4Front Checking
Effective Date: Saturday, October 20th, 2018
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: Saturday, October 20th, 2018
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

Personal IRA Rates

Individual Retirement Accounts (IRA)
Effective Date: Saturday, October 20th, 2018
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

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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: 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: Saturday, October 20th, 2018
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

Business Money Market Share
Effective Date: Saturday, October 20th, 2018
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

Business Certificates of Deposit
Effective Date: Saturday, October 20th, 2018
TermDividend RateAPY*Minimum
6 Mo 0.20% 0.20% $1,000
12 Mo 0.91% 0.91% $1,000
13 Mo** 2.02% 2.04% $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

**Available for a limited time. The 13 Month CD with a promotional rate of 2.04% APY must be comprised of funds outside of 4Front Credit Union or 10 percent in additional funds must be added to the monies currently on deposit with 4Front.

Business Jumbo Certificates of Deposit
Effective Date: Saturday, October 20th, 2018
TermDividend RateAPY*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 Checking Rates

4Front Business Checking
Effective Date: Saturday, October 20th, 2018
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

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Business Loan Rates

Business Smart Credit MasterCard
Effective Date: Saturday, October 20th, 2018
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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Rates

Secured Loans
Effective Date: Saturday, October 20th, 2018
Autos, motorcycles, motor homes, campers, watercraft, RVs, ATVs, snowmobiles & tractors
TermAPR as low as*
12 to 66 months 4.44%
67 to 78 months 4.64%
79 to 84 months 5.24%
85 to 120 months 5.54%
121 to 180 months 6.34%

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

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  Best Financial Institution '15, '16, '17

News-Review Best of the Northwest

 Best Credit Union '15, '16, '17
 Best Bank '15, '16
 Best Mortgage Company '15, '16

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