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!

US 31 (Traverse City) drive-thru unavailable beginning Tuesday, 9/8 for VideoTeller installation.

Drive-thru services at our Traverse City US 31 location will close beginning Tuesday, September 8 for the installation of our VideoTeller in-car express banking technology. We expect the installation to be completed on or around Thursday, October 1. VideoTeller offers extended hours (Monday through Friday 7 am - 7 pm and Saturdays 9 am - 2 pm) and enhanced service capabilities to in-car banking.

We're expanding our US 31 location's lobby hours to better serve you during construction. Beginning Tuesday, September 8, our lobby will be open 8 am - 6 pm Monday through Friday and Saturdays 9 am - 2 pm.

If you prefer to bank from your vehicle, please note that our Traverse City W. Front Street location is just a short distance away and features brand-new VideoTeller terminals. And don't forget that our virtual and mobile banking services offer plenty of contactless ways to manage your money.

LEARN MORE

Close Window

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.
Close Window
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.

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: Monday, September 21st, 2020
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 Loans
Effective Date: Monday, September 21st, 2020
NameTermAPR as low as*
Personal Loan Variable 9.04%
Peace of Mind Line of Credit Variable 8.96%

*Rates and terms determined by member's credit worthiness.

Apply

 

Home Equity Loans
Effective Date: Monday, September 21st, 2020
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 and terms determined by member's credit worthiness and collateral value.

Apply

 

Credit Cards
Effective Date: Monday, September 21st, 2020
TypeTermAPR as low as*
Smart Credit Mastercard Variable 8.96%

*Rates determined by member's credit worthiness.

Apply

 

MORTGAGES

We're pleased to offer obligation-free, speedy mortgage quotes tailored specifically to individual homebuying needs.

GET QUOTE

 

Return to top

Consumer Savings Rates

Prime Share
Effective Date: Monday, September 21st, 2020
TypeMinimumDividend RateAPY*
Prime Share $1.00 0.05% 0.05%
Designated Share None 0.05% 0.05%
Christmas Club None 0.05% 0.05%
eShare None 0.05% 0.05%

*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: Monday, September 21st, 2020
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.

Certificates of Deposit (Regular, Traditional & Roth IRA)
Effective Date: Monday, September 21st, 2020
TermDividend RateAPY*Minimum
6 Mo 0.15% 0.15% $1,000
12 Mo 0.50% 0.50% $1,000
18 Mo 0.50% 0.50% $1,000
24 Mo 0.75% 0.75% $1,000
30 Mo 0.75% 0.75% $1,000
36 Mo 0.85% 0.85% $1,000
48 Mo 1.00% 1.00% $1,000
60 Mo 1.25% 1.26% $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: Monday, September 21st, 2020
TermDividend RateAPY*Minimum
12 Mo 0.65% 0.65% $100,000
18 Mo 0.65% 0.65% $100,000
24 Mo 0.90% 0.90% $100,000
30 Mo 0.90% 0.90% $100,000
36 Mo 1.00% 1.00% $100,000
48 Mo 1.15% 1.16% $100,000
60 Mo 1.40% 1.41% $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: Monday, September 21st, 2020
NameMinimumDividend RateAPY*
Traditional IRA None 0.25% 0.25%
Roth IRA None 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.

Health Savings Accounts (HSA)
Effective Date: Monday, September 21st, 2020
MinimumDividend RateAPY*
None 0.05% 0.05%

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

Return to top

Consumer Checking Rates

Straight4ward Rewards Checking
Effective Date: Monday, September 21st, 2020
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: Monday, September 21st, 2020
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: Monday, September 21st, 2020
Average Daily BalanceDividend RateAPY*
$1,000 - 9,999 0.05% 0.05%
$10,000 - 24,999 0.05% 0.05%
$25,000 - 49,999 0.10% 0.10%
$50,000 or more 0.15% 0.15%

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

Return to top

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 outside institution)
$25.00 per item

ACH/External Account Transfer (Virtual 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 transaction)
Outgoing Domestic Wire $20.00
Outgoing International Wire $50.00
Starter Checks 4 sheets free
(then $2.00 per sheet)

Return to top

Business Savings Rates

Business Prime Share
Effective Date: Monday, September 21st, 2020
TypeMinimumDividend RateAPY*
Business Prime $1.00 0.05% 0.05%
Business Designated Share None 0.05% 0.05%

*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: Monday, September 21st, 2020
Average Daily BalanceDividend RateAPY*
$5,000 - 24,999 0.10% 0.10%
$25,000 - 49,999 0.15% 0.15%
$50,000 - 99,999 0.15% 0.15%
$100,000 - 249,999 0.20% 0.20%
$250,000 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.

Business Certificates of Deposit
Effective Date: Monday, September 21st, 2020
TermDividend RateAPY*Minimum
6 Mo 0.15% 0.15% $1,000
12 Mo 0.50% 0.50% $1,000
18 Mo 0.50% 0.50% $1,000
24 Mo 0.75% 0.75% $1,000
30 Mo 0.75% 0.75% $1,000
36 Mo 0.85% 0.85% $1,000
48 Mo 1.00% 1.00% $1,000
60 Mo 1.25% 1.26% $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: Monday, September 21st, 2020
TermDividend RateAPY*Minimum
12 Mo 0.65% 0.65% $100,000
18 Mo 0.65% 0.65% $100,000
24 Mo 0.90% 0.90% $100,000
30 Mo 0.90% 0.90% $100,000
36 Mo 1.00% 1.00% $100,000
48 Mo 1.15% 1.16% $100,000
60 Mo 1.40% 1.41% $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: Monday, September 21st, 2020
Average Daily BalanceDividend RateAPY*
$5,000 - 24,999 0.10% 0.10%
$25,000 - 49,999 0.15% 0.15%
$50,000 - 99,999 0.15% 0.15%
$100,000 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.

Return to top

Business Credit Card Rates

Business Smart Credit Mastercard
Effective Date: Monday, September 21st, 2020
NameTermAPR as low as*
Business Smart
Credit Mastercard
Revolving Prime + 6.50%

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

Return to top

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 $0.25 per)
Business Checking 501(c) 300 free per month
(then $0.25 per)
Business Bill Pay 10 free per month
(then $0.75 per)
Business Bill Pay Inactivity $5.00 per month
(after 2 months of non-use)

Check Electronic Funds Transfer
Effective Date: October 1, 2018
NameFee
Foreign Item Deposit $20.00 per item
NSF/EFT Force Post $25.00 each
Returned Deposited Item
(from outside institution)
$25.00 per item
Overdraft Transfer $10.00 per transfer

Automatic Electronic Funds Transfer
Effective Date: February 1, 2020
NameFee
New or Change to Existing Transfer/Payment $20.00 per item
Transfer/Payment Return or Notice of Change $15.00 per item
Transfer/Payment Return (unauthorized) $25.00 per item

Treasury Management Services
Effective Date: February 1, 2020
NameFee
ACH Origination $15.00 per month, $0.10 per transaction
ACH Origination Return or Notice of Change $15.00 per item
ACH Return
(unauthorized)
$25.00 per item
Autobooks $10.00 per month (waived with $500 collected)
Remote Deposit Capture (RDC) $45.00 per month ($0.10 per scan after 300 scans)
Positive Pay (check and ACH) $60.00 per month

Miscellaneous Fees
Effective Date: February 1, 2020
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 and 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 sheet)

Return to top

Go to main navigation
Forward Focused