Credit union · NCUA insured
4Front Credit Union
A $1B credit union headquartered in Traverse City, MI, with 104,651 members and 20 branches in Michigan. Best rates: CDs 3.45% and savings 0.20% APY.
4Front Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#13 of 16 in Traverse City, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 4Front Credit Union
- Headquarters
- 101 N Park St, Traverse City, MI 49684
- NCUA charter
- 61365
Branches
20 branches in Michigan
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Michigan
20 branches
Traverse City area · 7
- 4Front Credit Union Administrative OfficesMain office101 N Park St, Traverse City, MI 49684Directions
- Kalkaska Office120 County Road 612 NE, Kalkaska, MI 49646Directions
- Career Tech Center OfficeTBA Career Tech Center, 800 Parsons Rd, Traverse City, MI 49686Directions
- Hastings Office1234 Hastings St, Traverse City, MI 49686Directions
- South Airport Office3323 S Airport Rd W, Traverse City, MI 49684Directions
- Us313745 N US Highway 31 S, Traverse City, MI 49684Directions
- West Front St Office3939 W Front St, Traverse City, MI 49684Directions
Grand Rapids area · 2
- Holland177 N River Ave, Holland, MI 49424Directions
- Zeeland9581 Riley St, Zeeland, MI 49464Directions
Petoskey area · 2
- Petoskey North2215 E Mitchell Rd, Petoskey, MI 49770Directions
- Petoskey South1633 US Highway 131, Petoskey, MI 49770Directions
Bellaire area · 1
- Bellaire515 E Cayuga St, Bellaire, MI 49615Directions
Boyne City area · 1
- Boyne City308 N Lake St, Boyne City, MI 49712Directions
Charlevoix area · 1
- Charlevoix1031 May St, Charlevoix, MI 49720Directions
East Jordan area · 1
- East Jordan220 S Lake St, East Jordan, MI 49727Directions
Mancelona area · 1
- Mancelona Office304 S Williams St, Mancelona, MI 49659Directions
Manistee area · 1
- Manistee Office1960 US Highway 31 S, Manistee, MI 49660Directions
Muskegon area · 1
- Norton Shores281 Seminole Rd, Norton Shores, MI 49444Directions
Pickford area · 1
- Pickford7196 E Charles, Pickford, MI 49774Directions
Sault Ste. Marie area · 1
- Sault Sainte Marie2701 I 75 Business Spur, Sault Ste. Marie, MI 49783Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.15% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.73% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.60% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalNet worth ratio10.15%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.73%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 4Front Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.