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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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UChoose Rewards® Credit Cards

4Front CU Smart Credit Card Online Access4Front is pleased to introduce UChoose Rewards®, an award-winning member credit card rewards program delivering you the power of choice through a multitude of flexible redemption opportunities.

Choice is Good  Your rewards, your way

Earn points with every day credit card purchases to redeem for merchandise, travel, special event tickets, cash back, and more! The 4Front UChoose Rewards smart Mastercard® features the same chip security as our 4Front smart credit Mastercard but puts money back in your pocket in the form of terrific merchandise, travel, or cash.

Put the power of a 4Front UChoose Rewards smart credit Mastercard to work for you today! Apply online below or call us at 800.765.0110.

Rewards Frequently Asked Questions

UChoose Rewards® members receive one (1) point for each dollar spent on purchases. UChoose Rewards® points are accrued on every purchase where MasterCard is accepted.

While all purchases with the 4Front UChoose Rewards® smart credit card earn points, UChoose Rewards® is unable to award points for balance transfers or cash advances processed with your 4Front UChoose Rewards® smart credit card.

Visit, click the Register link under the "New to UChoose Rewards®?" and follow the instructions. Keep in mind that it may take a few business days for earned points to be reflected on your account.

4Front’s selection of Mastercard as its exclusive credit card provider is rooted in delivering the most accessibility to our members since a credit card is only as good as the number of places you can use it. This is why 4Front no longer issues a combination of Visa and Mastercard credit cards and issues Mastercard exclusively. Mastercard enjoys a broader network of accepting merchants in the United States (more than 30 million U.S. retailers accept Mastercard, versus approximately 28 million domestic merchants take Visa).

Mastercard also has a clear advantage in international acceptance as it is welcomed in over 210 countries, compared to Visa's roughly 200 countries and territories.

Enjoy around-the-clock access to your 4Front smart credit card account! Access transaction histories, download statements, and make online payments, by visiting

Report lost or stolen 4Front smart credit cards 24-hours a day by calling 844.269.3009 or 571.526.3951 (outside U.S.).

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Other Loan Rates

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
Lost or Stolen Cards

Lost or Stolen Cards

Smart Debit/ATM

800.554.8969 (after hours)
(outside U.S.)

Smart Credit

844.269.3009 (24 hours)
(outside U.S.)


PIN Changes

800.567.3451 (24 hours)