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4Front Credit Union

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4Front Credit Union Rates & Review November 2026

Q: What are the current interest rates at 4Front Credit Union?

Current rates for 4Front Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 2.27%, 24-Month CD: 2.79%, 60-Month CD: 2.27%, Savings: 0.10%, MMA: 0.40%

Q: What CD terms does 4Front Credit Union offer?

4Front Credit Union CD rates are 3.30% APY for a 12 month CD, 2.27% APY for an 18 month CD, 2.79% APY for a 2 year CD and 2.27% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with 4Front Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

4Front Credit Union's 12 Month Business Jumbo CDs of Deposit rates are at 3.45%, Jumbo CDs of Deposit - 12 Mo. rates are at 3.45%, 12 Month CDs of Deposit (Regular, Traditional & Roth IRA) rates are at 3.30%, Business CD of Deposit - 12 Mo. rates are at 3.30%, CD of Deposit (Regular, Traditional & Roth IRA) - 12 Mo. rates are at 3.30%. 4Front Credit Union's savings rates are at 0.10%. 4Front Credit Union's money market rates are at 0.40%. 4Front Credit Union's checking rates are as high as 4.08%. 4Front Credit Union's Personal Loan Rates are as low as 11.10%. 4Front Credit Union's Credit Card Rates are at 12.46%. 4Front Credit Union's CD rates are 4% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of 4Front Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.97%. Rates last updated and verified on 10/30/2026.

4Front Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 4Front Credit Union? Share your experience about 4Front Credit Union by leaving a review below, or read customer reviews before you decide to use 4Front Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.97%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

4Front Credit Union
4Front Credit Union Administrative Offices

101 N Park St
Traverse City, MI 49684

http://www.4frontcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

4Front Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Certificates of Deposit - 12 Mo.	3.40%	3.45%	12 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 3.40%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
12 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	3.25%	3.30%	12 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 12 Mo.	3.25%	3.30%	12 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Jumbo Certificates of Deposit - 24 Mo.	2.90%	2.94%	24 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 2.90%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Jumbo Certificates of Deposit - 36 Mo.	2.90%	2.94%	36 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 2.90%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
24 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.75%	2.79%	24 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
36 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.75%	2.79%	36 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
6 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.75%	2.79%	6 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 24 Mo.	2.75%	2.79%	24 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 36 Mo.	2.75%	2.79%	36 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 6 Mo.	2.75%	2.79%	6 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Jumbo Certificates of Deposit - 18 Mo.	2.40%	2.43%	18 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 2.40%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Jumbo Certificates of Deposit - 30 Mo.	2.40%	2.43%	30 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 2.40%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Jumbo Certificates of Deposit - 48 Mo.	2.40%	2.43%	48 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 2.40%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Jumbo Certificates of Deposit - 60 Mo.	2.40%	2.43%	60 months
Min Deposit $100,000 Details Regular, Traditional & Roth IRA; Dividend Rate 2.40%; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
18 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.25%	2.27%	18 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
30 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.25%	2.27%	30 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
48 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.25%	2.27%	48 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
60 Month Certificates of Deposit (Regular, Traditional & Roth IRA)	2.25%	2.27%	60 months
Min Deposit $1,000 Details Penalty applies for early withdrawal. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 18 Mo.	2.25%	2.27%	18 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 30 Mo.	2.25%	2.27%	30 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 48 Mo.	2.25%	2.27%	48 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Certificate of Deposit (Regular, Traditional & Roth IRA) - 60 Mo.	2.25%	2.27%	60 months
Min Deposit $1,000 Details Rates effective as of 9/3/2026; Penalty applies for early withdrawal Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Jumbo Certificates of Deposit	3.40%	3.45%	12 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 12 Mo.	3.25%	3.30%	12 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
24 Month Business Jumbo Certificates of Deposit	2.90%	2.94%	24 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
36 Month Business Jumbo Certificates of Deposit	2.90%	2.94%	36 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 24 Mo.	2.75%	2.79%	24 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 36 Mo.	2.75%	2.79%	36 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 6 Mo.	2.75%	2.79%	6 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
18 Month Business Jumbo Certificates of Deposit	2.40%	2.43%	18 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
30 Month Business Jumbo Certificates of Deposit	2.40%	2.43%	30 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
48 Month Business Jumbo Certificates of Deposit	2.40%	2.43%	48 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
60 Month Business Jumbo Certificates of Deposit	2.40%	2.43%	60 months
Min Deposit $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 18 Mo.	2.25%	2.27%	18 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 30 Mo.	2.25%	2.27%	30 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 48 Mo.	2.25%	2.27%	48 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Certificate of Deposit - 60 Mo.	2.25%	2.27%	60 months
Min Deposit $1,000 Details Business Certificates of Deposit Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Savings Rates

Product	Rate	APY
Money Market Share	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 or more; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Share	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Share	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Share	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Health Savings Account	0.10%	0.10%
Details Dividend Rate; rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Designated Share	0.05%	0.05%
Details Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
eShare	0.05%	0.05%
Details Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Prime Share	0.05%	0.05%
Min Deposit $1 Details Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Designated Share	0.05%	0.05%
Details Business Prime Share Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Money Market Rates

Product	Rate	APY
Money Market Share	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 or more; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Share	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Share	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Share	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Average Daily Balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000+; Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $99,999; Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Money Market	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $24,999; Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Checking Rates

Product	Rate	APY
Straight4Ward Rewards Checking	4.00%	4.08%
Min Balance $0 Details Balance: Up to $15,000; 4.08% APY paid monthly on a balance of $0.01 to $15,000; Rate effective 10/17/2022; Membership required with $1 deposit to open a Prime Share; Some requirements apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 or more; APY* footnote: Some requirements apply. Fees may reduce earnings. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; APY* footnote: Some requirements apply. Fees may reduce earnings. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; APY* footnote: Some requirements apply. Fees may reduce earnings. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Money Market Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; APY* footnote: Some requirements apply. Fees may reduce earnings. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Checking	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	7.00%
Details As Low As; Loan-to-Value: 80.00%; Rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 22, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Home Equity Loan	-	-	7.50%
Details As Low As; Loan-to-Value: 80.00%; Rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 22, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Vehicle, Boat and Recreational Vehicle Loan	-	5.75%	12 to 66 months
Details As Low As; Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Vehicle, Boat and Recreational Vehicle Loan	-	5.95%	67 to 78 months
Details As Low As; Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Non-Titled Recreational Vehicle Loan - 12 to 66 months	-	6.75%	12 to 66 months
Details APR as low as; Snowmobiles, Tractors & Golf Carts; Rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Vehicle, Boat and Recreational Vehicle Loan	-	6.85%	79 to 84 months
Details As Low As; Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Non-Titled Recreational Vehicle Loan - 67 to 78 months	-	6.95%	67 to 78 months
Details APR as low as; Snowmobiles, Tractors & Golf Carts; Rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Vehicle, Boat and Recreational Vehicle Loan	-	7.15%	85 to 120 months
Details As Low As; Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Non-Titled Recreational Vehicle Loan - 79 to 84 months	-	7.85%	79 to 84 months
Details APR as low as; Snowmobiles, Tractors & Golf Carts; Rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Vehicle, Boat and Recreational Vehicle Loan	-	7.95%	121 to 180 months
Details As Low As; Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Mastercard	-	12.46%
Details As Low As; Rates and terms determined by member's credit worthiness and collateral value. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.46% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.10%	6 to 60 months
Details As Low As; Personal Loans rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 11.10% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Cash Reserve Line of Credit	-	-	12.71%	Variable
Details As Low As; Term: Variable; Personal Loans rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.46% → 12.71% ▲ 0.25 pts · high 12.71% / low 12.46% Sep 22, 202612.71%▲ from 12.46% Sep 14, 202612.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Holiday Helper Loan	-	-	9.10%	12 months
Details As Low As; Personal Loans rates effective as of 9/30/2026 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 9.10% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Prime	0.05%	-	0.05%
Min Deposit $1 Details Business Prime Share Rates effective as of 9/3/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Roth IRA	0.50%	-	0.50%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional IRA	0.50%	-	0.50%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

4Front Credit Union’s Texas Ratio stayed near 10.98% in Q3 2023 to 10.97% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	10.97%	5.0	A
March 31, 2026	$1.0B	10.31%	5.0	A
December 31, 2025	$1.0B	13.36%	5.0	A
September 30, 2025	$1.0B	7.23%	5.0	A
June 30, 2025	$1.0B	5.29%	5.0	A+
March 31, 2025	$1.0B	4.63%	5.0	A+
December 31, 2024	$1.0B	8.50%	5.0	A
September 30, 2024	$1.1B	7.52%	5.0	A
June 30, 2024	$1.0B	7.68%	5.0	A
March 31, 2024	$1.1B	8.89%	5.0	A
December 31, 2023	$1.1B	10.41%	5.0	A
September 30, 2023	$1.1B	10.98%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 4Front Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 4Front Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 4Front Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 4Front Credit Union

Website http://www.4frontcu.com

Address 101 N Park St, Traverse City, MI 49684

Phone 231-929-2000

Fax 231-929-7002

President Todd Rohrback

CEO Andrew Kempf

Full-Time Employees 289

Part-Time Employees 5

Branch Locations 23

ATM Locations 25

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.97%

Return on Assets (ROA)

0.3025%

Return on Equity (ROE)

2.9792%

Non-Performing Loans Ratio (NPL)

1.73%

Total Assets

1,037,838,266

Total Amount of Shares and Deposits

929,557,102

Total Shares and Deposits < 1 Year

904,823,732

Total Shares and Deposits 1 3 Years

22,151,726

Total Shares and Deposits > 3 Years

2,581,645

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

40,036,982

Total Uninsured Shares and Deposits > $250K (F+J)

40,036,982

Total Insured Shares and Deposits > $250K (item 17 less item K)

889,520,120

Total Interest Expense (Sum of items 6 8)

4,951,564

Share Certificates

5,964

Number of Accounts for Share Drafts

66,798

IRA KEOGH Accounts

1,389

Number of Accounts for Regular Shares

130,717

All other shares

1,970

Non Member Deposits

Money Market Shares

6,395

Net Income (unless the amount is already included in Undivided Earnings)

3,139,523

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

37,908,203

Total Liabilities

935,946,812

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

4Front Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for 4Front Credit Union

Frequently Asked Questions About 4Front Credit Union

Does 4Front Credit Union offer CDs?

Yes. 4Front Credit Union current CD rates include its 12 Month Business Jumbo CDs of Deposit at 3.45% APY, its Jumbo CDs of Deposit - 12 Mo. at 3.45% APY and its 12 Month CDs of Deposit (Regular, Traditional & Roth IRA) at 3.30% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from 4Front Credit Union NCUA insured?

Yes. 4Front Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 4Front Credit Union?

The highest 4Front Credit Union CD rate is its 12 Month Business Jumbo CDs of Deposit at 3.45% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does 4Front Credit Union offer?

4Front Credit Union CD rates are 3.30% APY for a 12 month CD, 2.27% APY for an 18 month CD, 2.79% APY for a 2 year CD and 2.27% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with 4Front Credit Union for its full lineup.

What is the highest savings rate at 4Front Credit Union?

The highest 4Front Credit Union savings rate is its Health Savings Account at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at 4Front Credit Union?

The highest 4Front Credit Union money market rate is its Money Market Share at 0.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at 4Front Credit Union?

The highest 4Front Credit Union checking rate is its Straight4Ward Rewards Checking at 4.08% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at 4Front Credit Union?

The lowest 4Front Credit Union auto loan rate is its Vehicle, Boat and Recreational Vehicle Loan at 5.75% APR, verified by MonitorBankRates as of October 30, 2026. 4Front Credit Union auto loan rates are 6.75% APR for a 66 month auto loan, 6.95% APR for a 78 month auto loan and 7.85% APR for an 84 month auto loan.

What is the lowest personal loan rate at 4Front Credit Union?

The lowest 4Front Credit Union personal loan rate is its Signature Loan at 11.10% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at 4Front Credit Union?

The lowest 4Front Credit Union credit card APR is its Credit Mastercard Credit Card at 12.46% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does 4Front Credit Union operate?

4Front Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 4Front Credit Union?

Yes, to access services at 4Front Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 4Front Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 4Front Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 4Front Credit Union offer online and mobile banking?

Most modern institutions like 4Front Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.4frontcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 4Front Credit Union rates compare?

4Front Credit Union's CD rates are 4% lower than the MonitorBankRates national average, and it has an A health rating. 4Front Credit Union's top rates are its 12 Month Business Jumbo CDs of Deposit at 3.45% APY, its Health Savings Account at 0.10% APY, its Money Market Share at 0.40% APY, its Straight4Ward Rewards Checking at 4.08% APY, its Signature Loan at 11.10% APR and its Credit Mastercard Credit Card at 12.46% APR, verified by MonitorBankRates on October 30, 2026.

Current 4Front Credit Union Rates

12-Month CD3.30%
18-Month CD2.27%
24-Month CD2.79%
60-Month CD2.27%
Savings0.10%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

4Front Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

4Front Credit Union Texas Ratio

4Front Credit Union Health Trend

4Front Credit Union CD Rates

4Front Credit Union Business CD Rates

4Front Credit Union Savings Rates

4Front Credit Union Business Savings Rates

4Front Credit Union Money Market Rates

4Front Credit Union Business Money Market Rates

4Front Credit Union Checking Rates

4Front Credit Union Business Checking Rates

4Front Credit Union Home Equity & HELOC

4Front Credit Union RV, Boat and Powersport Loan Rates

4Front Credit Union Credit Card Rates

4Front Credit Union Personal Loan Rates

4Front Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

4Front Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 4Front Credit Union

Does 4Front Credit Union offer CDs?

Are CDs from 4Front Credit Union NCUA insured?

What is the highest CD rate at 4Front Credit Union?

What CD terms does 4Front Credit Union offer?

What is the highest savings rate at 4Front Credit Union?

What is the highest money market rate at 4Front Credit Union?

What is the highest checking rate at 4Front Credit Union?

What is the lowest auto loan rate at 4Front Credit Union?

What is the lowest personal loan rate at 4Front Credit Union?

What is the lowest credit card APR at 4Front Credit Union?

How many branches does 4Front Credit Union operate?

Is a member application needed to join 4Front Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 4Front Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 4Front Credit Union rates compare?

Current 4Front Credit Union Rates

Compare to Other Credit Unions