If all you needed was a place to store your money, you’d already have it. But life doesn’t stay predictable. Things change. Something breaks. An opportunity shows up. And suddenly, just having an account isn’t enough.
That’s where Frontwave comes in. Built for real life. When you’re trying to get ahead and stay on track. Not just to hold your money, but to help you use it, move it, protect it, and keep you steady when things get tight. You don’t need perfect timing or a perfect plan. You need someone that shows up.
When things don’t go as planned
You don’t have to figure it out alone
Things don’t always go to plan. When they don’t, you shouldn’t be left trying to figure it out on your own.
Talk it through with someone who gets it Real conversations to help you figure out what actually makes sense.
Options that adjust when things change Accounts, credit and tools that meet you where you are.
Support that stays consistent No starting over or re-explaining everything every time.
Help you move forward from here Not just fix the moment, but what comes next.
When things are going your way
Now it’s about what you do next
This is your window. The time to move, make the call, and take the next step. You need something that keeps up and helps you make it count.
You’ve got something in mind. You need a way to pay for it. A purchase. A plan. When you're ready, we help make it happen.
Money’s coming in. Money’s going out. You need to stay on top of it. Bills. Spending. Transfers. We help keep it all moving without the hassle.
You don’t want your money sitting still. You want it to build. Short-term goals. Long-term plans. We help put your money to work.
You’re not always sure what the right move is. That’s normal. Big decision or small one. We have someone to talk it through.
You don’t need to have it all figured out. Just pick a place to start.
Open an account. Explore your options. Or talk it through with someone who can help you make the right call.
Start with the account that fits you
Checking or savings. Set it up, get organized, and keep your money moving from day one.
Most banks and credit unions make you jump through hoops. Not here.
People who know your name, not just your account number
Get fast answers from local experts, not outsourced call centers
Decisions made by real humans, not algorithms
Full-service banking with checking, savings, loans, and credit cards
Better rates, fewer fees, and banking that works on your schedule
Banking That Moves at Your Speed
Life doesn’t wait. Neither should your money.
No slow approvals. No waiting on hold. No red tape. Just faster access, fewer delays, and real people ready to help.
Save More. Reach Your Goals Sooner.
Earn more on savings without locking up your money for years
Get predictable returns with share certificates built for your timeline
Plan for retirement with IRAs that make it simple, not stressful
Spend Smarter. No Delays. No Nonsense.
Checking that works for you with instant access and no monthly fees
Visa credit cards that put rewards in your pocket, not fine print
Skip the car-buying headache with an easy, hassle-free buying service
Borrow Without the Runaround.
Auto loans without the waiting game get approved and hit the road
Home loans that don’t drag out quick approvals, fewer headaches
Personal loans that move as fast as you do funds when you need them
Bank Anytime. Anywhere. Instantly.
Mobile banking that works when you do real-time alerts, instant transfers
24/7 account access because your money doesn’t keep office hours
Toll-free Express Line for quick banking by phone no long hold times
Checking Beyond
the Basics
Say hello to Elite Checking and Elite Plus Checking. These new accounts go beyond everyday checking with added protection, built-in savings, and perks designed to make life easier.
Open Your Accounts Setup Checking and Savings accounts with e-statements on the same day.
Set Up Direct Deposit Start a $1,000+ monthly direct deposit within your first 90 days.
Get Rewarded We'll drop $350 into your savings once you qualify. Simple as that.
No Hoops. No Hassle. Just $350 to Prove We’re Worth It.
Hear from Our Members
I switched to Frontwave a few months ago in an effort to close an account with another credit union that I'd had for years. My experience with Frontwave so far has been nothing short of positive. They've been very helpful, knowledgeable and forthcoming.
Suzanne H.
I've been with Frontwave now for 3 years. They have provided professional service and explained in details I could understand. My experience has been nothing short of perfection. In every single appointment I have felt that they were there for me and we worked together for a win win scenario. Thanks Frontwave for all your help.
Harry V.
There are many advantages to using a Credit Union over a bank, especially one like Frontwave CU. The people, Gina in particular, go out of their way to help you achieve your financial goals. You're not just a number on paper, you're a member that they want and need to help. We'll be members for life.
Randall H.
Disclaimers
* Important Information and Disclosures
How to qualify: To receive the $350 bonus, open new Frontwave Checking and Savings accounts within the same day (subject to approval), enroll in e-statements, and set up recurring external direct deposits or ACH transfers totaling $1,000 or more. The $1,000 must post within a single calendar month and within 90 days of account opening. (Example: Two $500 paychecks within the same month qualifies.) Transfers between Frontwave accounts do not qualify.
How you get paid: Bonus will be deposited into your Frontwave Savings account within 120 days if requirements are met and accounts remain in good standing.
Who’s eligible: Offer available to new Frontwave members age 18 or older who live, work, worship, or attend school in San Diego, Riverside, Imperial or San Bernardino counties, or who qualify through a Select Employer Group (SEG) or military affiliation. Not available to employees, volunteers, or anyone who has had a Frontwave account closed within the past 18 months. Limit one bonus per person.
Other important info: Offer effective as of August 1, 2025, and may change or end without notice. A 1099-INT will be issued for tax reporting purposes.
Heads up, gig workers: To qualify, your deposits must come through as standard direct deposit or ACH into your Frontwave bank account. Transfers from a debit card or wallet (like PayPal or DasherDirect) do not count.
Internet Explorer is no longer supported by Microsoft. Please update to Microsoft's latest browser Microsoft Edge. Please note that even Microsoft's website cannot well-support this browser. Navigating to the link in this message will result in you being directed to a "Download Microsoft Edge" page with license terms and an "Accept and download" button.
You are leaving Frontwave Credit Union
You are leaving the Frontwave Credit Union website. External third-party web sites will be presented in a new and separate content window. Frontwave Credit Union does not provide, and is not responsible for, the product, service, overall website content, accessibility, security or privacy policies on any external third-party sites.
