Old Mission Bank
4Front Credit Union is a Michigan-based, NCUA-insured member-owned credit union offering deposit accounts, consumer and business lending, treasury management, and wealth management services to individuals, SMBs, municipal entities, and community heroes across Michigan.
- Company typePrivate
- Founded2000
- HeadquartersSault Sainte Marie, Canada
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Old Mission Bank does
4Front Credit Union is a Michigan-based, NCUA-insured member-owned credit union serving individual consumers, small and medium businesses, government and municipal entities, and a defined 'community heroes' persona (first responders, teachers, healthcare workers). The institution operates a horizontal financial services platform spanning deposit products (Straight4ward Rewards Checking at 4.08% APY, Prime Share Savings, Money Market, IRAs, CDs), consumer lending (auto, home, home equity, personal, recreational, student loans, QuickCash, CreditBuilder), credit cards, and specialized mortgage programs (Homes4Heroes offering rates 1% below market). Business banking is anchored by treasury management capabilities including AutoBooks/QuickBooks integration, ACH processing, Remote Deposit Capture, merchant services, and payroll services.
The technology stack combines in-house online and mobile banking with third-party integrations, including MeridianLink for digital account opening and loan applications, LPL Financial for wealth management, and Banzai and Greenlight for financial literacy and youth banking. AI deployment is limited to a virtual assistant ('Penny') for member service inquiries. Member access is delivered through physical branch locations across Michigan, VideoTeller machines, online and mobile channels, and digital wallet integration (Apple Pay, Google Pay, Samsung Pay).
The revenue model follows the standard credit union architecture: primary revenue from net interest income on the loan-deposit spread, supplemented by fee-based income (overdraft, ATM, wire, treasury management) and referral/revenue-sharing income from the LPL Financial wealth management partnership. Customer acquisition is direct-to-consumer via branch presence, website, mobile platform, community partnerships, employer programs (4Front@Work), and a Refer-a-Friend member referral program. A nonprofit affiliate, the 4Front Foundation, supports community philanthropy.
Old Mission Bank firmographics
Firmographics- Name
- Old Mission Bank
- Legal name
- 4Front Credit Union
- Website
- https://oldmissionbank.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- 4Front Credit Union is a Michigan-based, NCUA-insured member-owned credit union offering deposit accounts, consumer and business lending, treasury management, and wealth management services to individuals, SMBs, municipal entities, and community heroes across Michigan.
- Ownership category
- akta.pro rank
Old Mission Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130), Depository Credit Intermediation (5221)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where Old Mission Bank is headquartered
LocationHeadquarters
- HQ city
- Sault Sainte Marie
- HQ country
- Canada
- HQ region
- North America
Offices2 records
Markets served
Old Mission Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Credit unions generate primary revenue through the spread between interest earned on loans (auto loans, home loans, personal loans, credit cards) and interest paid on deposits (checking, savings, money market, CDs). This is the core revenue mechanism for the institution.
- Fee-Based Income: Various service fees including overdraft protection fees, courtesy pay fees, ATM fees, wire transfer fees, and business treasury management service fees (merchant services, payroll services, ACH fees).
- Wealth Management Services: Through LPL Financial partnership, the credit union offers wealth management and investment advisory services, generating referral or revenue sharing income.
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Old Mission Bank product offering
Product offeringCore offering
Old Mission Bank provides retail and business banking services including deposit accounts (checking, savings, money market, CDs, IRAs, HSA), consumer and commercial loans (auto, home, home equity, personal, recreational, student, business credit cards), mortgage products, digital banking (online, mobile, digital wallet, video teller), business treasury management (ACH, merchant services, payroll, remote deposit, QuickBooks integration), wealth management via LPL Financial partnership, and specialized programs such as Homes4Heroes and CreditBuilder. The institution emphasizes community-rooted local banking with federally insured deposits and competitive deposit/lending rates.
Product overview
4Front Credit Union offers a comprehensive suite of financial products organized as a platform-plus-modules architecture. Core offerings include deposit products (Straight4ward Rewards Checking, Prime Share Savings, Money Market, IRAs, CDs), lending products (Auto Loans, Home Loans including 7/1 ARM and Homes4Heroes program, Home Equity, Personal Loans, QuickCash, CreditBuilder Program, Student Loans, Recreational Loans), and credit cards. Business banking includes specialized checking (Business, Municipal, IOLTA), savings, and Treasury Management services (AutoBooks/QuickBooks integration, ACH, Merchant Services, Remote Deposit Capture, Payroll Services). Digital banking features include Online Banking, Mobile Banking, and Digital Wallet. Add-on services include Overdraft Protection, Courtesy Pay, Fast4ward Payday, Plinqit savings automation, and Wealth Management through LPL Financial. The 4Front Foundation provides community philanthropy and financial literacy resources.
Differentiator
Problem solved
Functional benefit
Brands
- Straight4ward Rewards Checking: Rewards checking account earning 4.08% APY with Overdraft Privilege, Courtesy Pay, and online check viewing.
- CreditBuilder Program
- Homes4Heroes
- 4Front Foundation
- 4Front@Work
Products and services
- Straight4ward Rewards Checking
Quantifiable outcome
- 4.08% APY on Straight4ward Rewards Checking account
- +1 more outcomes
Companies that use Old Mission Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Old Mission Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Old Mission Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Student ChoicecorePartnership with Student Choice to provide student loan options for undergrads, grads, and alumni, helping connect members with affordable student financing that fits their budget and lifestyle.
- LPL FinancialcoreWealth management partnership through 4front-lpl.com where LPL Financial advisors provide professional guidance and tailored investment insights to credit union members.
- Woop InsuranceminorInsurance partner offered through member benefits, providing supplemental insurance products to credit union members.
- GreenlightminorGreenlight Kids Banking partnership providing financial education and banking tools for children, available through the financial literacy resources section.
- BanzaiminorBanzai Interactive Library available through financial literacy resources, offering interactive financial education tools for members.
- Muskegon Community CollegecoreCommunity partnership supporting local education, part of the About > Community section showcasing the credit union's commitment to Muskegon-area organizations.
- MeridianLinkcorePlatform provider for online account opening and loan applications, enabling digital-first member acquisition through secure web-based forms.
- City Opera HouseminorMembership benefit partnership offering credit union members discounted or complimentary access to City Opera House events.
- Pit SpittersminorCommunity partnership providing special game deals and ticketing offers for Pit Spitters baseball games to credit union members.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Old Mission Bank competitors and assessment
Company assessmentRegional players
- Isabella Bank: Michigan community bank headquartered in Mount Pleasant offering consumer and business banking, mortgage lending, and treasury services. Comparable in scale and community-bank positioning, with overlapping Michigan market presence.
Emerging players
- Alliant Credit Union: National online-focused credit union offering high-yield deposits and competitive lending products without physical branches. Represents the digital-native competitive threat to 4Front's high-APY and below-market-rate positioning.
Direct peers
- Adventure Credit Union: Michigan community credit union offering personal and business banking, lending, and digital services. Comparable scale, member-focused model, and Michigan geographic overlap with 4Front.
- Lake Trust Credit Union: Michigan-based credit union serving consumers and businesses with checking, savings, mortgage, and digital banking products. Comparable community credit union model with similar geographic and product overlap.
- Consumers Credit Union: Michigan-headquartered credit union (Walled Lake) providing consumer and business banking, mortgages, and competitive deposit products. Directly comparable in product mix and target member segments, with overlapping Michigan footprint.
- Genisys Credit Union: Michigan-based credit union offering similar consumer deposits, mortgage lending, business banking, and digital channels. Comparable community credit union model with overlapping Michigan branch network.
- Michigan State University Federal Credit Union (MSUFCU): Major Michigan-headquartered credit union offering comprehensive consumer and business banking, mortgages, and digital services. Comparable in scale, product breadth, and community focus, with statewide Michigan footprint overlapping 4Front's market.
- Lake Michigan Credit Union: Largest credit union in Michigan, headquartered in Grand Rapids. Offers the same core consumer/business banking, mortgage, and digital banking products across overlapping Michigan geographies — most directly comparable peer given similar product set and shared Michigan market.
Broad incumbents
- Huntington National Bank: Major Michigan-headquartered commercial bank offering full-service consumer, business, mortgage, and wealth management products. Larger incumbent competitor operating across overlapping Michigan geographies with broader product portfolio.
- Fifth Third Bank: Large regional bank with significant Michigan branch presence offering consumer deposits, mortgage lending, business banking, and wealth services. Competes directly with 4Front across personal and small-business segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Old Mission Bank social profiles
Digital presenceOld Mission Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Old Mission Bank leadership team
Management profileNumber of profiles
Old Mission Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Old Mission Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Old Mission Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Old Mission Bank
What does Old Mission Bank do?
Old Mission Bank provides retail and business banking services including deposit accounts (checking, savings, money market, CDs, IRAs, HSA), consumer and commercial loans (auto, home, home equity, personal, recreational, student, business credit cards), mortgage products, digital banking (online, mobile, digital wallet, video teller), business treasury management (ACH, merchant services, payroll, remote deposit, QuickBooks integration), wealth management via LPL Financial partnership, and specialized programs such as Homes4Heroes and CreditBuilder. The institution emphasizes community-rooted local banking with federally insured deposits and competitive deposit/lending rates.
Is Old Mission Bank a public or private company?
Old Mission Bank is a private company. It is classified as unknown and is currently operating.
When was Old Mission Bank founded?
Old Mission Bank was founded in 2000. It employs 11 to 50 people.
Where is Old Mission Bank based?
Old Mission Bank is headquartered in Sault Sainte Marie, Canada, in the North America region.
How does Old Mission Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are fee-Based Income and wealth Management Services.
Who are Old Mission Bank's main competitors?
Isabella Bank is listed as a regional player. Alliant Credit Union is listed as an emerging player. Direct peers are Adventure Credit Union, Lake Trust Credit Union, Consumers Credit Union, Genisys Credit Union, Michigan State University Federal Credit Union (MSUFCU) and Lake Michigan Credit Union. Broad incumbents are Huntington National Bank and Fifth Third Bank.
Does Old Mission Bank have an API?
No public API is recorded for Old Mission Bank.
What industry is Old Mission Bank in?
Old Mission Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52213 and its SIC code is 6099.