Grow your money faster with higher yields.

Save on your terms with flexible options.

Growth With Purpose.

You’re not just saving for the sake of saving. You’re building something meaningful. Certificates give you the structure, certainty and momentum to get there faster.

  • Fixed rates

    that keep your returns predictable

  • Higher earnings

    than traditional savings

  • Flexible terms

    from 6 to 60 months

  • Low entry points

    start with $100 or $1,000

  • Federally insured

    for peace of mind

Share Certificates: Better Returns, Zero Guesswork.

You want growth you can see and trust. Share Certificates give you fixed rates, predictable returns and a safe place to put your money so you always know exactly where you’re headed.

  • Start with $1,000: Easy to open, even easier to watch it grow.
  • Choose your term: From six months to five years, find the timeline that fits your goals.
  • Know your return upfront: Fixed rates deliver predictable growth, regardless of the market.
  • Protected by NCUA insurance: Your savings stay secure and federally backed up to $250,000.

Saver Certificates: Start Small. Build Steady.

You want progress that feels doable. Saver Certificates give you a simple, flexible way to grow at your pace, including exclusive higher-rate options for military Members and their families.

  • Open with $100: Start where you are and build upward.
  • Choose your team: Pick a 6, 12, 24 or 36-month option that fits your life.
  • Add up to $500 monthly: Build consistency and give your savings real momentum.
  • Made for everyone: A simple, sustainable way to save.

Grow with
Confidence.

Share Certificates and Saver Certificates give you fixed rates, predictable returns and a clear path toward your goals. Whether you start with $100 or lock in a longer-term rate, your savings moves forward with purpose. 

Saver Certificate Rates

Effective Date: December 29, 2025
Term
Dividend Rate
Annual Percentage Yield
6-Month 0.55% 0.55%
1-Year 0.65% 0.65%
2-Year 0.85% 0.85%
3-Year 0.95% 0.95%

Share Certificate Rates

Effective Date: December 29, 2025
Term
Dividend Rate
Annual Percentage Yield
6-Month 3.445% 3.50%
12-Month 3.300% 3.35%
18-Month 2.960% 3.00%
2-Year 2.813% 2.85%
3-Year 2.227% 2.25%
4-Year 2.227% 2.25%
5-Year 2.227% 2.25%

Account Resources

Save with Momentum.

Ready to grow your money? Put your money to work with a 6-Month Share Certificate from Frontwave. Lock in a fixed rate and watch your savings grow faster than a traditional account. No market swings. No surprises. Plus, your deposit is federally insured.

  • Earn {{RatePicker("84a345cf-d518-4c4a-8bfb-0e74ec427231", "80d4dd64-aa2c-4f02-ae6f-19f2c2f74692", "bea843aa-54f2-4a6d-9194-5eca3faf6644")}} APY* with a 6-Month Share Certificate

BLOGS

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  • Blog

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  • Blog

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  • Blog

    Think You Have Time to Save for Retirement? Think Again.

Get Started Today

Open your account online in just minutes, or stop by a branch or schedule an appointment.

Open Your Account
Disclaimers

* APY= Annual Percentage Yield. Minimum $1,000 to open a share certificate. Yield and term quoted are valid as of December 29, 2025 and are subject to change without notice. Early withdrawal/account closure subject to penalty equal to the greater of the following: 7 days dividends on the amount withdrawn, or 90 days of dividends. Must be a member or qualify for membership to open a certificate. Upon maturity, the certificate will automatically renew at the current rate and term closest to our standard terms (6, 12, 18, 24, 36, 48, or 60 months), or if previously selected, the funds will be transferred to your account. During the 7-day grace period, which begins on your maturity date and ends 7 calendar days later, you may make a withdrawal without penalty.

Insured up to $250,000 by NCUA.

Share Certificates are subject to a market cap of $35 million, and once this limit is reached, new accounts may no longer be accepted until the cap is adjusted.

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