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Deposit Rates
Your Money Will See a Lot of Action.
Our competitive deposit rates help your savings grow faster—whether you’re building an emergency fund, planning a big purchase, or preparing for the future. With Frontwave Credit Union, your money works harder every day, putting checking and savings deposits to work for members in California and beyond.
General Information
- Dividend and Loan Rates are determined by the Board of Directors and may change without notice.
- You must maintain a minimum daily balance of $50.00 or have an outstanding loan balance to be an active member.
- Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
- Dividends are calculated daily and compounded and paid monthly.
- Rates Effective April 1, 2026
Checking Account Rates
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Elite Plus | 0.25% | 0.25% |
| Dividend* | 0.05% | 0.05% |
Disclaimers
*Legacy Dividend Checking is a dividend-bearing account no longer available for new enrollment.
Savings Account Rates
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Share Savings | 0.05% | 0.05% |
| Teen Savings | 0.05% | 0.05% |
| Student Savings | 0.05% | 0.05% |
Disclaimers
$5 minimum opening deposit.
Minimum daily balance of $100 required to earn dividends.
Business Checking Account Rates
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Dividend Business | 0.01% | 0.01% |
Business Savings Account Rates
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Business Savings | 0.05% | 0.05% |
Money Market & Money Market IRA Rates
|
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Funds may be withdrawn at any time without penalty, except loss of dividends, if you close your account before dividends are paid.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
|
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.
Share Certificates
|
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.
IRA/Roth IRA Share Certificate Rates
|
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
Savers Certificate Rate
|
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
|
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.
Rates Effective April 1, 2026
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