Embracing Growth and Opportunity in 2025: A Message from Frontwave’s CEO

We’re off to a strong start in 2025, and I hope you are too. Whether you’re working toward personal goals, building financial stability, or taking on new challenges, this time of year is about progress and possibility. It’s a chance to reflect and build momentum for what’s next.

Growth isn’t always easy, but it creates opportunity. Real progress happens when we embrace change, move forward with confidence, and build on a strong foundation.

At Frontwave, growth isn’t just about us. It’s about how we serve you. That’s why I’m excited to share an important milestone. Frontwave Credit Union is growing through the acquisition of Community Valley Bank (CVB). The addition of CVB will allow us to expand our footprint as we continue living out our mission to make financial dreams come true in the communities we serve every day.

This move enables us to serve more Members, businesses, and communities across Southern California. CVB has built a strong reputation as a trusted financial as well as financial partner, and by joining forces, we’re ensuring more individuals and businesses have access to the financial tools and support they need to succeed.

As we grow, it is our aim to be a force for good in your financial life. Our commitment to service, trust, and financial empowerment stays at the core of everything we do.

I also want to thank everyone who participated in our annual Board of Directors election. Your vote helps shape the future of Frontwave and ensures we continue putting Members first.

Please join me in congratulating Michael Naylor, Gerald Polyascko, and Ann Regan on their election to the Board of Directors. Their leadership will guide Frontwave as we grow, innovate, and find new ways to serve you.

As you look ahead, I encourage you to think about your own goals and the steps you’re taking to reach them. Whether it’s strengthening your financial foundation, planning for the future, or making a fresh start, we’re here to support you every step of the way.

Thank you for being part of our journey. The best is yet to come.

Dream Big. We Got You. 

Bill Birnie
President/CEO
Frontwave Credit Union