Business Details
11 Years
experience
Your Trusted Financial Partner in Traverse City
We are a member-owned financial cooperative serving over 100,000 members across Michigan. Established in 2015 through the merger of two legacy credit unions, we combine over 70 years of community-focused service with modern financial solutions. Our mission prioritizes member financial well-being over shareholder profits, offering competitive rates on loans, high-yield deposit accounts, and minimal service fees. We serve individuals and businesses within Michigans 83 counties, with eligibility extending to family members of existing members regardless of location.Our digital tools include online banking with credit monitoring, mobile deposit capture, and a virtual assistant named Penny for 24/7 support. We specialize in auto loans, home mortgages, personal loans, business banking, and credit-building programs, with local mortgage experts serving Traverse City, Grand Rapids, and the Upper Peninsula.
Services
Auto Loans
Home Loans
Credit Cards
Personal Loans
Business Checking
Mortgage Services
Online Banking
CreditBuilder Program
Recreational Loans
Certificate of Deposit
Details
- Year established: 2015
Highlights and features
- We offer member-owned cooperative banking with no shareholder interests
- Our local mortgage experts serve Traverse City, Grand Rapids, and Upper Peninsula regions
- We provide 4.08% APY on rewards checking accounts with no hidden fees
- Our CreditBuilder Program helps members improve credit scores while saving
- We maintain 20 branch locations across Michigan with digital banking tools
Services
Auto Loans
Our auto loans provide fast approval through a robust dealership network. We finance new and used vehicles with competitive rates and flexible terms. Borrowers gain immediate access to insurance coverage protecting their investment.
Home Loans
We offer comprehensive mortgage solutions including conventional, FHA, USDA, and construction loans. Local experts guide clients through budgeting, home selection, and financing options with competitive rates and personalized support.
CreditBuilder Program
This program helps members build credit while saving money. Participants receive financial education, establish positive credit history, and earn interest on secured deposits through structured payment plans.
Business Checking
Our business banking solutions include checking accounts, merchant services, payroll processing, and lending options. We offer cash management tools and personalized support for Michigan-based businesses.
Personal Loans
Flexible personal loans address unexpected expenses or special purchases. We offer quick approvals with fixed rates and terms tailored to individual financial situations and credit profiles.
People
Brent Simons
Mortgage Loan Originator
Serving Grand Traverse area with conventional, FHA, and USDA financing expertise. NMLS ID 138102 with local market knowledge to guide first-time and experienced homebuyers.
Darrin Van Loo
Mortgage Loan Originator
Northern Michigan specialist with NMLS ID 442619. Expertise in construction, conventional, FHA, USDA, and VA financing options for residential property owners.
Nicholas Caldwell
Mortgage Loan Originator
West Michigan mortgage expert (NMLS ID 2052557) specializing in conventional, FHA, and USDA loan programs for primary residences and investment properties.
Todd Beaumont
Mortgage Loan Originator
Upper Peninsula lending professional (NMLS ID 1859777) offering conventional, FHA, and USDA financing solutions tailored to regional housing markets and buyer needs.
Questions
What are the membership requirements for 4Front Credit Union Credit Union?
Membership requires living, working, worshiping, or studying in Michigan, or being an immediate family member of an existing member. Applicants must be 18+ with valid ID and Social Security number.
Do you offer notary services?
Yes, we provide free notary services at all branches. Appointments recommended. Bring valid ID, unsigned documents, and required witnesses for efficient service.
Can I access my account information after business hours?
Our virtual assistant Penny provides 24/7 account access through our phone system. Online banking and mobile app also offer round-the-clock access to account management tools.
What loan options are available for first-time homebuyers?
We offer conventional, FHA, and USDA loans with low down payment options. The Homes4Heroes program provides 1% down, waived origination fees, and reduced rates for eligible applicants.
How do I order new checks?
Order checks through online banking, the 4FrontGo app, VideoTeller ATMs, or branch visits. Navigate to Account Management > Check Reorder to place your order securely.
