Your Equity. Your Rules.

Use the value you've built to renovate, consolidate, or fund what's next. 

Loans That Mean Business

Lending options tailored for hardworking business owners like you.

News. Money tips. Community impact.

Insights on money, life, and the communities we serve.

Frontwave Foundation

Turning compassion into action through grants, scholarships, and support for local nonprofits.

Community
See how we support local causes and initiatives that strengthen the neighborhoods where we live and serve.
Learn about our 501(c)(3) nonprofit advancing positive change in our communities.
Special Offers
Discover exclusive discounts & special offers from local businesses — made just for our community!

Follow us on Instagram to win free tickets to Frontwave Arena!

Build the kind of retirement you can look forward to.

Simple saving options with built-in tax advantages.

Your Future Doesn't Happen by Accident

You can’t stay young forever. But the future doesn’t build itself. An IRA helps your savings grow with tax advantages* that keep your money working year after year. There are two ways to get started. Explore your options with Retirement Central or visit a branch and open an IRA with Frontwave.

Plan with Retirement Central

Stop guessing and start planning your retirement. Compare IRA options, see how your savings could grow and open your IRA online.

Open Your IRA Online 
Simple steps. Secure forms. Done.

Compare IRA Options 
See how your savings could grow over time.

Track Your Progress 
Monitor contributions and adjust your plan anytime.

Open an IRA with Frontwave

Stop by a branch and our team will help you choose the IRA and savings option that fits your goals.

Savings Certificates 
Set money aside for a fixed term and watch it build.

Money Market Accounts 
Earn more with tiered dividend levels.

Share Savings Accounts 
Start small and build your balance over time.

View Our Current Rates

Money Market & Money Market IRA Rates

Effective Date: April 1, 2026
Balance Needed to Earn Dividends
Dividend Rate
Annual Percentage Yield
$0 to $9,999 0.05% 0.05%
$10,000 to $24,999 0.05% 0.05%
$25,000 to $49,999 0.20% 0.20%
$50,000 to $99,999 0.30% 0.30%
$100,000 to $249,999 0.80% 0.80%
$250,000 to $499,999 1.00% 1.00%
$500,000 to $999,999 1.49% 1.50%
$1,000,000 and above 1.74% 1.75%
Disclaimers

$2,500 minimum opening deposit.

Funds may be withdrawn at any time without penalty, except loss of dividends, if you close your account before dividends are paid. Fees may reduce earnings. There is no minimum balance required to earn dividends.

Individual Retirement Accounts & Roth Individual Retirement Account Rates

Effective Date: April 1, 2026
Minimum Deposit
Dividend Rate
Annual Percentage Yield
$50.00 0.05% 0.05%
Disclaimers

Additional contributions may be made at any time.

Dividends are tax-deferred until withdrawal.

Early withdrawal of funds (before the IRA holder is 59 1/2 years of age) may be subject to penalty. Penalty for early withdrawal applies There is no minimum balance to earn dividends.

IRA/Roth IRA Share Certificate Rates

Effective Date: April 1, 2026
Term
Dividend Rate
Annual Percentage Yield
6-Month 3.445% 3.50%
12-Month 3.397% 3.45%
18-Month 3.057% 3.10%
2-Year 2.813% 2.85%
3-Year 2.080% 2.10%
4-Year 2.080% 2.10%
5-Year 2.080% 2.10%
Disclaimers

Minimum Deposit/Balance - $1,000

Account Resources

BLOGS

Tips That Can Help You Save With Confidence.

Disclaimers

* Tax advantages depend on individual circumstances. Please consult a tax advisor. 

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