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

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Lending options tailored for hardworking business owners like you.

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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!

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Grow your money faster with higher yields.

Save on your terms with flexible options.

Put Your Savings on a Timeline

Markets move. Rates change. Your savings shouldn’t be guesswork. Certificates give your money a clear timeline and a predictable return. 

Certificates reward commitment. Choose your timeline, lock in your return and watch your savings build. You have two ways to get started.

Share Certificates

If you have savings ready to put to work, a Share Certificate lets you lock in your rate and know exactly what your money will earn.

Start with $1,0001 
Open your certificate and begin earning right away.

Choose Your Term 
Multiple fixed terms. Choose from 6, 12, 18, 24, 36, 48, or 60 months.

Know Your Return Upfront2 
Fixed rates mean predictable growth.

Federally Insured 
Your savings stay secure. NCUA insured up to $250,000.

Savers Certificates

Savers Certificates are built for momentum. Start with a smaller balance and add to it each month while your savings grow.

Opening Deposit $100 to $1,0003 
Start where you are and begin building. 

Choose Your Term 
Multiple fixed terms. Choose from 6, 12, 24 or 36 months.

Automatic Monthly Deposits4 
Set the same deposit each month between $10 and $1,000.

Federally Insured 
Your savings stay secure. NCUA insured up to $250,000.

Military Savers Certificate

Built for those who serve. Start small, add to it each month and earn a higher rate with Military Savers Certificates.

Exclusive Higher Rate 
Available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses.5

Opening Deposit $100 to $1,0003 
Choose from 6, 12, 24 or 36-month terms.

Automatic Monthly Deposits4 
Set the same deposit each month between $10 and $1,000.

Federally Insured
Your savings stay secure. NCUA insured up to $250,000.

  • Lock In Your Rate

    Rate stays the same for the entire term.

  • Choose Your Timeline

    Select the term that fits your goal.

  • Start Small

    Big goals don’t have to start big.

  • Stay Disciplined

    Your money stays put so it can grow.

Put Your Savings
on a Timeline

Open a Frontwave Certificate and start building with a rate you can count on.

View Our Current Rates

Share Certificate Rates

Effective Date: April 1, 2026
Term
Dividend Rate
Annual Percentage Yield
6-Month 3.590% 3.65%
12-Month 3.542% 3.60%
18-Month 3.203% 3.25%
2-Year 2.960% 3.00%
3-Year 2.227% 2.25%
4-Year 2.227% 2.25%
5-Year 2.227% 2.25%
Disclaimers

Minimum Deposit/Balance - $1,000

Rates and terms subject to change without notice.

Must be a member or qualify for membership to open a certificate.

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. 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.

Savers Certificate Rates

Effective Date: April 1, 2026
Term
Dividend Rate
Annual Percentage Yield
6-Month 0.55% 0.55%
1-Year 5.366% 5.50%
2-Year 0.85% 0.85%
3-Year 0.95% 0.95%
Disclaimers

Opening deposit $100 (minimum) to $1000 (maximum).

Monthly deposits between $10 (minimum) to $1000 (maximum). Monthly automatic deposits must be the same amount each month and must be between $10 and $1,000 for the full term. 

Withdrawal of certificate funds before maturity may be subject to penalties.

Rates and terms subject to change without notice. Membership subject to approval.

Minimum daily balance of $100 required to earn dividends. Penalty for early withdrawal.

Military Savers Certificate Rates

Effective Date: April 1, 2026
Term
Dividend Rate
Annual Percentage Yield
6-Month 0.80% 0.80%
1-Year 5.366% 5.50%
2-Year 1.09% 1.10%
3-Year 1.19% 1.20%
Disclaimers

Higher promotional rate available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses.

Opening deposit $100 (minimum) to $1000 (maximum).

Monthly deposits between $10 (minimum) to $1000 (maximum). Monthly automatic deposits must be the same amount each month and must be between $10 and $1,000 for the full term.

Withdrawal of certificate funds before maturity may be subject to penalties.

Rates and terms subject to change without notice. Membership subject to approval.

Minimum daily balance of $100 required to earn dividends. Penalty for early withdrawal.

Account Resources

Save with Momentum.

Earn 3.65% APY* with a 6-Month Share Certificate

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.

BLOGS

Tips That Can Help You Save With Confidence.

Get Started Today

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

Open Your Account
Disclaimers

¹ Minimum opening deposit of $1,000 required. Minimum balance of $1,000 required to earn dividends and APY. Penalty for early withdrawal.

² Dividend rate and APY are fixed for the certificate term and will not change after account opening.

³ Opening deposit $100 (minimum) to $1000 (maximum). Minimum daily balance of $100 required to earn dividends and APY. Penalty for early withdrawal.

⁴ Monthly deposits must be automatic, in the same amount each month, and between $10 and $1,000 for the full certificate term.

⁵ Higher promotional rate available only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Eligibility must be verified with valid military or veteran identification at account opening.

* APY= Annual Percentage Yield. Minimum $1,000 to open a share certificate. Yield and term quoted are valid as of February 26, 2026 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.

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