Personal Rates
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While we make every effort to maintain updated and accurate information, these rates and terms are subject to change without notice.

We don't like fees. Fees are not our friends here at 4FrontRead more about how we feel about fees.

Consumer Loan Rates

Vehicle, Boat and Recreational Vehicle Loan

(Autos, Motorcycles, Motor Homes, Travel Trailers, RVs, Boats, ATVs & Jet Skis)

Rates effective as of 12/20/2024
TermAPR as low as*
12 to 66 months7.25%
67 to 78 months7.45%
79 to 84 months8.35%
85 to 120 months8.65%
121 to 180 months9.45%
*APR = Annual Percentage Rate. Rates and terms determined by member's credit worthiness and down payment.

Non-Titled Recreational Vehicle Loan

(Snowmobiles, Tractors & Golf Carts)

Rates effective as of 12/20/2024
TermAPR as low as*
12 to 66 months8.25%
67 to 78 months8.45%
79 to 84 months9.35%

*APR= Annual Percentage Rate. Rates and terms determined by member's credit worthiness and down payment.

Personal Loan

Rates effective as of 12/20/2024
NameTermAPR as low as*
Personal Loan6 to 60 month11.10%
Peace of Mind Line of CreditVariable13.21%

*APR= Annual Percentage Rate. Rates and terms determined by member's credit worthiness and down payment.

Better Credit. Better Rates. Build your credit and get the rate you deserve! Learn how.

Home Equity Loan

Rates effective as of 12/20/2024
Loan TypeLoan-to-ValueAPR as low as*
Open-End Line of Credit80.00%Prime

*APR= Annual Percentage Rate. Rates and terms determined by member's credit worthiness and collateral value.

Credit Cards

Rates effective as of 12/20/2024
TypeTermAPR as low as*
Credit MastercardVariable13.71%

*APR= Annual Percentage Rate. Rates and terms determined by member's credit worthiness and collateral value.

Mortgages

Rates effective as of 12/20/2024
Details
We're pleased to offer obligation-free, speedy mortgage quotes tailored specifically to individual homebuying needs.

Consumer Savings Rates

Prime Share

Rates effective as of 1/01/2025
TypeMinimumDividend RateAPY*
Prime Share$1.000.05%0.05%
Designated ShareNone0.05%0.05%
eShareNone0.05%0.05%

*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.

Money Market Share

Rates effective as of 1/01/2025
Average Daily BalanceDividend RateAPY*
$1,000 - $9,999.990.15%0.15%
$10,000 - $24,999.990.20%0.20%
$25,000 - $49,999.990.30%0.30%
$50,000 or more0.40%0.40%
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.

Certificates of Deposit

(Regular, Traditional & Roth IRA)

Rates effective as of 1/01/2025
TermDividend RateAPY*Minimum
6 Mo.2.25%2.27%$1,000
12 Mo.2.25%2.27%$1,000
18 Mo.2.25%2.27%$1,000
24 Mo.2.25%2.27%$1,000
30 Mo.2.25%2.27%$1,000
36 Mo.3.00%3.04%$1,000
48 Mo.2.25%2.27%$1,000
60 Mo.2.25%2.27%$1,000

*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal.

Jumbo Certificates of Deposit

(Regular, Traditional & Roth IRA)

Rates effective as of 1/01/2025
TermDividend RateAPY*Minimum
12 Mo.2.40%2.43%$100,000
18 Mo.2.40%2.43%$100,000
24 Mo.2.40%2.43%$100,000
30 Mo.2.40%2.43%$100,000
36 Mo.3.15%3.20%$100,000
48 Mo.2.40%2.43%$100,000
60 Mo.2.40%2.43%$100,000

*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal.

Individual Retirement Accounts (IRA)

(Traditional & Roth IRA)

Rates effective as of 1/01/2025
NameMinimumDividend RateAPY*
Traditional IRANone0.50%0.50%
Roth IRANone0.50%0.50%
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.

Health Savings Accounts (HSA)

Rates effective as of 1/01/2025
MinimumDividend RateAPY*
None0.10%0.10%
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings.

Consumer Checking Rates

Straight4Ward Rewards Checking

Rates effective as of 10/17/2022
Average Daily BalanceDividend RateAPY*
Up to $15,0004.00%4.08%

*4.08% annual percentage yield (APY) paid monthly on a balance of $0.01 to $15,000. Rate effective 10/17/2022. Rate subject to change. Membership required with $1 deposit to open a Prime Share. Some requirements apply. APY = annual percentage yield, or the effective rate of return taking into account the effect of compounding interest. Fees may reduce earnings.


Money Market Checking

Rates effective as of 10/17/2022
Average Daily BalanceDividend RateAPY*
$1,000 - $9,999.990.10%0.10%
$10,000 - $24,999.990.15%0.15%
$25,000 - $49,999.990.25%0.25%
$50,000 or more0.30%0.30%
*APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Some requirements apply. Fees may reduce earnings.

Personal Fees

Our Two-Part Fee Pledge

Unlike a lot of banks, we don't like fees here at 4Front. We'd like to do away with fees forever but in order to keep offering high rates of return on deposits and some of the lowest loan rates you'll find, we simply can't. But we CAN be very selective about when and why fees are charged. To make sure that we never lose sight of the importance of no or low fees, we've developed a two-part promise to you, our member.

We'll never ding you with a silly fee. We develop creative solutions and products to help you reach your financial goals faster. This is where we want to spend our time and energy, not devising sneaky ways to squeeze a few bucks out of you.

We'll only assess fees that are representative of our cooperative spirit. 4Front is a not-for-profit financial cooperative, which means that every member is an owner with a stake in the success of our institution. We serve each of our members equally, regardless of their account balance. If one requires additional services that take us away from serving the entire membership, it's only fair they reimburse their fellow members for that additional needed attention.

We also pledge to always seek ways to reduce or eliminate current fees and to apply our philosophy to any possible new fees we may be obligated to consider. So there you have it, our perspective on fees... no silly service charges and only those necessary to ensure evenhanded yet exceptional service and value to our membership.

Personal Fee Schedule

Share Draft

Effective Date: November 9, 2021

NameFee
Image Copy
(staff assistance)
$2.00
Stop Payment$25.00 per item
Bill Pay Inactivity$5.00 per month
(after 2 months of non-use)

Check/EFT

Effective Date: May 4, 2023

NameFee
Courtesy Pay$25.00 each
(up to 2 per day, then no charge)
Foreign Check/Item Deposit$20.00 per item
NSF - ACH or Check Returned$25.00 each
(up to 2 per day, then $5.00 per)
NSF - Debit Card Returned $25.00 each
(up to 2 per day, then $0.00 per)
Returned Deposited Item
(from outside institution)
$25.00 per item
Foreign Transaction Fee*$

*Mastercard assesses a fee on foreign transactions initiated with your debit card. Foreign transactions include transactions made in the United States but with a merchant who processes the transaction in a foreign country. The fee is based on a percentage of the transaction as determined by Mastercard in its sole discretion. The credit union has no control over the amount of this fee.

ACH/External Account Transfer (Online Banking)

Effective Date: November 9, 2021

NameFee
New ACH Origination or Change to Existing Origination$20.00 per item
ACH Return or Notice of Change$15.00 per item
ACH Return
(unauthorized)
$25.00 per item
External Account Transfer Return or Notice of Change$15.00 per item
External Account Transfer
(unauthorized)
$25.00 per item

Miscellaneous Fees

Effective Date: November 9, 2021

NameFee
Account Balancing/Research$25.00 per hour
(1 hour minimum)
Address Correction$5.00 per event
Card Replacement $10.00
Card Replacement (rush)$50.00
Check Cashing
(may be waived based upon relationship)
$3.00 per month
Inactive Checking Account$5.00 per month
(after 6 months of non use)
Garnishment/Escheat/Tax Levy$25.00
Gift and Reloadable Travel Cards$3.00
Money Order$2.00
Non-CO-OP ATM Transaction3 free per month
(then $1.50 per)
Outgoing Domestic Wire$20.00
Outgoing International Wire$50.00
Starter Checks4 sheets free
(then $2.00 per sheet)

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