Showing Up for Our Communities
Through Frontwave Give360, we support local organizations and causes that strengthen the communities we call home.
Through Frontwave Give360, we support local organizations and causes that strengthen the communities we call home.
Use the value you've built to renovate, consolidate, or fund what's next.
Lending options tailored for hardworking business owners like you.
Insights on money, life, and the communities we serve.
Turning compassion into action through grants, scholarships, and support for local nonprofits.
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.
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Elite Plus | 0.25% | 0.25% |
| Dividend* | 0.05% | 0.05% |
*Legacy Dividend Checking is a dividend-bearing account no longer available for new enrollment.
|
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% |
$5 minimum opening deposit.
Minimum daily balance of $100 required to earn dividends.
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Dividend Business | 0.01% | 0.01% |
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Business Savings | 0.05% | 0.05% |
|
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% |
$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Funds may be withdrawn at any time without penalty, except loss of dividends, if you close your account before dividends are paid.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.
Money Market IRAs are subject to IRS rules, including contribution limits and potential tax penalties. Consult a tax advisor.
|
Minimum Deposit
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| $50.00 | 0.05% | 0.05% |
Additional contributions may be made at any time.
There is no minimum balance to earn dividends.
IRA and Roth IRA accounts are subject to IRS rules, including contribution limits and potential tax penalties. Consult a tax advisor.
|
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% |
Minimum Deposit/Balance - $1,000
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening, including the date; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36-60 months) of dividends. Upon maturity, the certificate automatically renews at the current rate and closest standard term, unless you choose another option. You can withdraw funds without penalty during the 7-day grace period beginning on your maturity date.
Must be a Member or qualify for membership to open a certificate. Rates and terms subject to change without notice.
|
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% |
Minimum Deposit/Balance - $1,000
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening, including the date; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36-60 months) of dividends. Upon maturity, the certificate automatically renews at the current rate and closest standard term, unless you choose another option. You can withdraw funds without penalty during the 7-day grace period beginning on your maturity date.
Must be a Member or qualify for membership to open a certificate. Rates and terms subject to change without notice.
IRA and Roth IRA certificates are subject to IRS rules, including contribution limits and potential tax penalties. Consult your tax advisor.
|
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% |
Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends.
Monthly deposits between $10 (minimum) and $1000 (maximum). Automatic deposits must be the same amount each month for the full term.
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening including the date the account was opened; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36 months) of dividends.
Must be a Member or qualify for membership to open a certificate. Rates and terms subject to change without notice.
|
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% |
Available only to eligible active duty, reservists, retired military, or veteran Members and their spouses.
Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends.
Monthly deposits between $10 (minimum) and $1000 (maximum). Automatic deposits must be the same amount each month for the full term.
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening including the date the account was opened; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36 months) of dividends.
Must be a Member or qualify for membership to open a certificate. Rates and terms subject to change without notice.
Internet Explorer is no longer supported by Microsoft. Please update to Microsoft's latest browser Microsoft Edge. Please note that even Microsoft's website cannot well-support this browser. Navigating to the link in this message will result in you being directed to a "Download Microsoft Edge" page with license terms and an "Accept and download" button.
You are leaving the Frontwave Credit Union website. External third-party web sites will be presented in a new and separate content window. Frontwave Credit Union does not provide, and is not responsible for, the product, service, overall website content, accessibility, security or privacy policies on any external third-party sites.