Start 2025 with Purpose: A Message from Frontwave’s CEO

Happy New Year! As we welcome 2025, I’m filled with gratitude and excitement for the opportunities ahead. A new year brings fresh possibilities, and we’re honored to be part of your financial journey. Our goal remains simple: to make Frontwave the best place you’ve ever banked, empowering you to achieve your goals and build the future you envision.

Shape the Future of Frontwave

In March, you’ll have a unique opportunity to shape Frontwave’s future by participating in our 2025 Board of Directors Election. This is your chance to vote for the leaders who will represent you and advocate for your interests. Their mission is to set the overall direction of the credit union and ensure it operates with your best interests at heart.

There are three board positions up for election, and six highly qualified candidates will be running. To ensure a secure process, we’re partnering with Survey & Ballot Systems (SBS) again this year. In February, eligible members will receive information about the election process and how to cast your ballot via email and mail. Election results will be announced at the Annual Meeting of the Membership on March 26, 2025.

Why This Matters

The concept of a volunteer Board of Directors and a volunteer Supervisory Committee holds deep personal significance for me. That’s where my Frontwave journey began. I started as a volunteer on the Supervisory Committee and later served on the Board of Directors. Through these roles, I saw firsthand the profound impact Frontwave has on its members. Those experiences shaped my dedication to this organization—a commitment I carry with me every day as CEO.

Our Focus for 2025

As we look ahead, we’re focused on three key areas to serve you better:

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• Our Team: Excellence drives everything we do. We invest in our employees to ensure they’re engaged, empowered, and ready to provide you with exceptional service—whether you’re opening your first savings account or buying a home.
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• Our Growth: Financial growth at Frontwave isn’t about profits—it’s about building the strength to serve you better. Together, we can offer competitive rates, reduce fees, and introduce tools that make managing your money easier.
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• Your Loyalty: We know you have choices, and we’re honored you chose Frontwave. Over the past several months, we’ve been vetting partnerships to leverage digital platforms and AI technology. We’re excited to bring these enhancements to life throughout 2025 to streamline and elevate your experience.

Looking Ahead

As you set your goals for 2025, remember that small steps—like preparing for tax season, reviewing your credit, and building a habit of routine savings—can lead to big successes. Financial wellness is a journey built on one decision at a time, and you don’t have to go it alone. Frontwave is here to support you every step of the way.

Let’s make 2025 a year of progress together! Every journey begins with a single step, and those steps can lead to great things. Thank you for your loyal Membership at Frontwave Credit Union! 

Warm regards,

Bill Birnie CEO,

Frontwave Credit Union