4front Credit Union

Headquarters

Po Box 795
Traverse City, MI 49685
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD 0.65% 4.80% →
2-Year CD 0.90% 4.25% →
5-Year CD 1.41% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

4front is an NCUA insured institution located in Traverse City, MI. It was founded in 1954 and has approximately $1044.54 millions in assets.

Who can join?

Members Credit Union offers membership to the following:

• Individuals who reside in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who work or work for an employer in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who worship in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who are enrolled in grades K-12 in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, or Manistee.
• Individuals who receive a retirement annuity, pension, social security, or similar retirement payment from a private or government source; and reside in, or belong to a retirement organization located in the Michigan counties of Antrim, Benzie, Kalkaska, Grand Traverse, Leelanau, Manistee, Wexford, or Missaukee. The credit union's main office is located in Grand Traverse County therefore retired individuals in the contiguous counties of Wexford and Missaukee are eligible for membership.
• Employees of this credit union.
• Members of the Sheffer Collet/ITW Employees Federal Credit Union merger of record as of the date of December 1, 2008.
• Immediate family of the members outlined above.
• Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership of the credit union as outlined above.
• A spouse of a deceased member if elected to membership prior to remarriage.

NCUA Insured Yes / State-Chartered
Charter Number # # 61365
Date Established 1954
Assets $1,044.54 million
Loans $756.80 million
Deposits $949.78 million
Capital $97.72 million
 

Field of Membership Restrictions

Membership requirements for 4 Front CU are simply that you or one of your family members either reside, hold employment, or conduct business inside of Michigan State in order to be considered eligible.

Deposit Rates - November 7, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $1 - Learn More
Money Market
0.10% $1,000 $9,999 Learn More
Money Market
0.15% $10,000 $24,999 Learn More
Money Market
0.15% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $1,000 - Learn More
12 Mo CD
0.50% $1,000 $99,999 Learn More
12 Mo CD
0.65% $100,000 - Learn More
18 Mo CD
0.50% $1,000 $99,999 Learn More
18 Mo CD
0.65% $100,000 - Learn More
24 Mo CD
0.75% $1,000 $99,999 Learn More
24 Mo CD
0.90% $100,000 - Learn More
30 Mo CD
0.75% $1,000 $99,999 Learn More
30 Mo CD
0.90% $100,000 - Learn More
36 Mo CD
0.85% $1,000 $99,999 Learn More
36 Mo CD
1.00% $100,000 - Learn More
48 Mo CD
1.00% $1,000 $99,999 Learn More
48 Mo CD
1.16% $100,000 - Learn More
60 Mo CD
1.26% $1,000 $99,999 Learn More
60 Mo CD
1.41% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.25% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates - November 7, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for 4front

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Midwest Mortgage Lending
NMLS ID: 2262032
License#: RM.804810.000
6.391% 6.250% 1.00 $4,800 $1,971 Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.596% 6.500% 0.63 $3,210 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.993% 6.875% 1.00 $3,852 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.313% 7.250% 0.63 $2,000 $2,183 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to 4front
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are 4front branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

4FRONT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

4front Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 4front. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
4front U.S. Average
14.26% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, 4front had $14,141,260 in non-current loans and $129,118 in owned assets. To cover these potential losses it had $97,720,376 in net worth and $2,355,262 in loans loss reserves. That gives it a Texas Ratio of 14.26%.

Net Worth
4front U.S. Average
9.33% 13.93%

4front FCU has a net worth of 9.33% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for 4front

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