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%

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4Front Credit Union

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4Front Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

4Front Credit Union's top rates as of October 10, 2026 are 3.45% APY on its 12 Month Business Jumbo CD of Deposit, 0.10% APY on savings, 0.40% APY on money market accounts, 4.08% APY on checking, personal loans from 11.10% APR, and credit cards from 12.46% APR, according to rates verified by MonitorBankRates. Other 4Front Credit Union CD rates include 12 Month Traditional & Roth IRA CD at 3.45%, Traditional 12 Mo. CD at 3.45%, and 12 Month Traditional & Roth IRA CD at 3.30%. 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 10/10/2026.

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 Q2 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
12 Month Traditional & Roth IRA Certificate	3.40%	3.45%	12 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 12 Mo. CD	3.40%	3.45%	12 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
12 Month Traditional & Roth IRA Certificate	3.25%	3.30%	12 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 12 Mo. CD	3.25%	3.30%	12 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
24 Month Traditional & Roth IRA Certificate	2.90%	2.94%	24 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
36 Month Traditional & Roth IRA Certificate	2.90%	2.94%	36 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 24 Mo. CD	2.90%	2.94%	24 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 36 Mo. CD	2.90%	2.94%	36 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
24 Month Traditional & Roth IRA Certificate	2.75%	2.79%	24 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
36 Month Traditional & Roth IRA Certificate	2.75%	2.79%	36 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
6 Month Traditional & Roth IRA Certificate	2.75%	2.79%	6 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 24 Mo. CD	2.75%	2.79%	24 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 36 Mo. CD	2.75%	2.79%	36 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 6 Mo. CD	2.75%	2.79%	6 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
18 Month Traditional & Roth IRA Certificate	2.40%	2.43%	18 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
30 Month Traditional & Roth IRA Certificate	2.40%	2.43%	30 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
48 Month Traditional & Roth IRA Certificate	2.40%	2.43%	48 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
60 Month Traditional & Roth IRA Certificate	2.40%	2.43%	60 months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 18 Mo. CD	2.40%	2.43%	18 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 30 Mo. CD	2.40%	2.43%	30 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 48 Mo. CD	2.40%	2.43%	48 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 60 Mo. CD	2.40%	2.43%	60 months
Min Balance $100,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
18 Month Traditional & Roth IRA Certificate	2.25%	2.27%	18 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
30 Month Traditional & Roth IRA Certificate	2.25%	2.27%	30 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
48 Month Traditional & Roth IRA Certificate	2.25%	2.27%	48 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
60 Month Traditional & Roth IRA Certificate	2.25%	2.27%	60 months
Min Balance $1,000 Details Balance: $1,000 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 18 Mo. CD	2.25%	2.27%	18 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 30 Mo. CD	2.25%	2.27%	30 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 48 Mo. CD	2.25%	2.27%	48 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional 60 Mo. CD	2.25%	2.27%	60 months
Min Deposit $1,000 Details (Regular, Traditional & Roth IRA) Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 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 Certificate of Deposit	3.40%	3.45%	12 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.45% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
24 Month Business Jumbo Certificate of Deposit	2.90%	2.94%	24 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
36 Month Business Jumbo Certificate of Deposit	2.90%	2.94%	36 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.94% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
18 Month Business Jumbo Certificate of Deposit	2.40%	2.43%	18 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
30 Month Business Jumbo Certificate of Deposit	2.40%	2.43%	30 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
48 Month Business Jumbo Certificate of Deposit	2.40%	2.43%	48 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
60 Month Business Jumbo Certificate of Deposit	2.40%	2.43%	60 months
Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.43% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 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 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%

4Front Credit Union Savings Rates

Product	Rate	APY	View More
Health Savings Accounts (HSA)	0.10%	0.10%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.08% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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 Loan-to-Value: 80.00% Last Updated 10/10/2026 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 Loan-to-Value: 80.00% Last Updated 10/10/2026 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 Auto Loan Rates

Product	Rate	Points	APR	Term
Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis	-	-	5.75%	12 to 66 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis	-	-	5.95%	67 to 78 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis	-	-	6.85%	79 to 84 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.85% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis	-	-	7.15%	85 to 120 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis	-	-	7.95%	121 to 180 months
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 7 times 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
Recreational Vehicle Loan	-	6.75%	12 to 66 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Recreational Vehicle Loan	-	6.95%	67 to 78 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Recreational Vehicle Loan	-	7.85%	79 to 84 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.85% APR · checked 2 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* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.46% APR · checked 7 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
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 11.10% APR · checked 2 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
Last Updated 10/10/2026 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
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Designated Share	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Business Prime	0.05%	-	0.05%
Min Balance $1 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Designated Share	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
eShare	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Prime Share	0.05%	-	0.05%
Min Balance $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Roth IRA	0.50%	-	0.50%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.97%
Traditional IRA	0.50%	-	0.50%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 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.
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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

Q2 2026 MBR Health & Safety Badge

4Front Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/4front-rates-review-61365">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for 4Front Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for 4Front Credit Union

Frequently Asked Questions About 4Front Credit Union

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.

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 October 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 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 Auto Loan Rates

4Front Credit Union RV, Boat and Powersport Loan Rates

4Front Credit Union Credit Card Rates

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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

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?

Current 4Front Credit Union Rates

Compare to Other Credit Unions