4Front Credit Union Steps In to Preserve Local Banking Access in Charlevoix

4Front Credit Union announced it has purchased Horizon Bank’s Charlevoix branch, bringing Horizon’s local customers and employees into the credit union and reinforcing its commitment to community-based banking. As Horizon exits the Charlevoix market, 4Front ensures residents and businesses continue to have local access to high-quality financial services.

Under the agreement, 4Front will assume Horizon Bank’s Bridge St. location and transition local customers to the credit union, preventing a loss of physical banking services to its incoming members. At a time when many institutions are consolidating or withdrawing from smaller markets, this move reflects 4Front’s strategy of investing in communities where it already has deep roots.

“For nearly 70 years, our commitment has been to serve Charlevoix with stability, innovation, and genuine community focus,” said Andy Kempf, 4Front CEO. “When Horizon made the decision to leave the area, we saw both an opportunity and a responsibility to step in and ensure banking remains local and accessible.”

4Front’s existing Charlevoix branch at May St. will remain open during the transition. Once renovations to the former Horizon facility are complete, 4Front will consolidate operations into the Bridge Street location, maintaining continuity for members and employees while strengthening its physical presence in the market.

4Front Credit Union was advised on the transaction by McQueen Financial Advisors.