4Front Credit Union

Membership is open to anyone who lives, works, worships, or conducts business in any of Michigan's 83 counties, as stated on the firm's website. Once an individual joins, their spouse, children, siblings, and parents also become eligible regardless of their location. This broad field of membership is a product of the credit union's state-chartered status.

The credit union formed through the merger of Governmental Employees Credit Union, which opened in Traverse City in 1954, and Bay Winds Federal Credit Union, founded in Charlevoix in 1957. Members of both legacy institutions voted to approve the combination, and 4Front Credit Union opened as a single entity on January 2, 2015.

4Front provides business loans, lines of credit, and treasury management services according to its public website. The credit union maintains a dedicated commercial lending team reachable at 231-252-3456, though it does not publicly disclose portfolio size, named commercial borrowers, or industry concentrations.

The 4Front Foundation is a philanthropic arm that connects donors, nonprofits, and community organizations within the credit union's Michigan service area. It functions as an intermediary to channel contributions into local community initiatives, operating separately from the credit union's core deposit-and-lending business.

The credit union operates 20 full-service branches concentrated in Michigan, with locations in Traverse City, Charlevoix, East Lansing, Nashville, and Detroit, among others. A New York office is listed on its website, though its function — operational or lending — is not specified.