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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
4Front Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
4Front Credit Union's Business Jumbo CDs of Deposit 12 Mo. rates are at 3.45%, Business CDs of Deposit 12 Mo. rates are at 3.30%, Regular, Traditional & Roth IRA CDs of Deposit 12 Mo. rates are at 3.30%, Business Jumbo CDs of Deposit 36 Mo. rates are at 3.20%, Business Jumbo CDs of Deposit 24 Mo. rates are at 3.19%. 4Front Credit Union's savings rates are at 0.10%. 4Front Credit Union's money market rates are at 0.10%. 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 8.13%. Rates were last updated on 03/24/2026. 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. 4Front Credit Union
4Front Credit Union Administrative Offices 101 N Park St
http://www.4frontcu.com Traverse City, MI 49684 
4Front Credit Union CD Rates
4Front Credit Union Savings Rates
4Front Credit Union Money Market Rates
4Front Credit Union Checking Rates
4Front Credit Union Home Equity & HELOC
4Front Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
270
Part-Time Employees
3
Branch Locations
21
ATM Locations
26
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.13%
Return on Assets (ROA)
0.5391%
Return on Equity (ROE)
5.5765%
Non-Performing Loans Ratio (NPL)
1.09%
Total Assets
1,030,613,983
Total Amount of Shares and Deposits
895,539,336
Total Shares and Deposits < 1 Year
877,058,081
Total Shares and Deposits 1 3 Years
17,058,984
Total Shares and Deposits > 3 Years
1,422,271
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,469,608
Total Uninsured Shares and Deposits > $250K (F+J)
51,469,608
Total Insured Shares and Deposits > $250K (item 17 less item K)
844,069,728
Total Interest Expense (Sum of items 6 8)
8,504,591
Share Certificates
6,116
Number of Accounts for Share Drafts
65,461
IRA KEOGH Accounts
1,415
Number of Accounts for Regular Shares
130,259
All other shares
1,787
Non Member Deposits
5
Money Market Shares
6,121
Net Income (unless the amount is already included in Undivided Earnings)
5,555,976
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
27,087,809
Total Liabilities
936,025,529
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About 4Front Credit UnionIs 4Front Credit Union a safe place to deposit money?Yes, 4Front Credit Union is considered a safe financial institution. With a Texas Ratio of 8.1278825221041%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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