101.5 KGB LISTENER OFFER

Heard Us On
101.5 KGB?

Join Frontwave, say "TD Sent Me," and get $600.1

The $600 Gets Your Attention. Everything Else Makes It Worth It.

Sure, the bonus is nice. But what you'll find at Frontwave is even better.

We're a Member-owned credit union built right here in San Diego. That means fair rates, fewer fees, straightforward answers and real people who have your back. Whether you're looking for better everyday banking or a trusted partner for your business, you'll find solutions designed around people, not shareholders.

Ready to make the switch? Just tell us, "TD Sent Me."

Step 1:
Become a Member1

Apply online, visit a branch or call us to open your new Frontwave Checking and Savings accounts with eStatements.

Applying Online
Select "TD Sent Me" from the referral dropdown during your application. See the FAQs below for help. 

Applying by Phone or In Branch
Simply tell us, "TD Sent Me." Visiting a branch? Schedule an appointment to save time.


Apply Today

Step 2:
Complete Qualifying Activities1

Once you're a Member, complete the remaining qualifying activities to earn your $600 bonus.

1. Set Up Direct Deposit
Receive at least $1,000 in qualifying direct deposits within 90 days.

2. Activate Your Debit Card
Start using your Frontwave Visa® Debit Card for everyday purchases.

3. Build Your Savings
Set up automatic $25+ transfers to savings for two consecutive months.

4. Get Rewarded
We'll deposit your bonus into your savings account.


Get Started

Frequently Asked Questions

During your online application, select "TD Sent Me" from the referral dropdown. If you're opening your account in a branch or by phone, simply tell the representative that TD sent you.

TD Sent Me


Yes. To qualify for the $600 offer, you must open both a Frontwave Checking and Frontwave Savings account during the same application.

Yes. Your online application includes everything needed to become a Frontwave Member and open your new accounts, subject to approval.

Most online applications take about 10 to 15 minutes. Before you begin, have the following ready:

  • A valid state-issued photo ID or passport (please do not use a military ID when applying online)
  • Your Social Security number or Tax Identification Number
  • Proof of your current address, such as a utility bill, cell phone bill, pay stub or other acceptable document
  • A way to fund your new account (external bank account, credit or debit card)

To verify your identity, you'll also be asked to:

  • Upload a photo of your ID
  • Take a quick photo of yourself
  • Upload proof of your current address

The first time you sign in to Frontwave Digital Banking, you'll be prompted to enroll in eStatements. Simply review the disclosure, check I Agree, and select Continue.

If you skip this step, you can enroll at any time by following the instructions below. Please note that eStatement enrollment is required to qualify for this promotional offer.

From a web browser:

  1. Select Manage Accounts, then eDocuments.
  2. On the Overview tab, select Subscribe.
  3. Review the disclosure, check I Agree, then select Subscribe again to confirm.

From the Frontwave Mobile App:

  1. Register for and sign in to the Frontwave Mobile App.
  2. Tap More, then Manage Accounts, then eDocuments.
  3. Tap Settings, then Subscribe.
  4. Review the disclosure, check I Agree, then tap Subscribe again to confirm.

If you have questions while applying online, our team can help by phone at 800.736.4500 or at any Frontwave branch.

See our Contact page for more information. 

24-Month Share Certificate

Ready to Give Your Money a Serious Power Move?

4.15% APY2 24-month share certificate

Frontwave Credit Union is turning up the rate with a 24-month share certificate at 4.15% APY. Lock in now and get guaranteed growth for two full years.

Whether you’re saving for your next big goal or just smart-proofing your stash, open your certificate today and secure a low-risk, safe investment option with no market swings and no surprises. 

Home Equity Loan

Dream Bigger with Special Rates

10-year, 6.00% APR3 member-only home equity loan promotion

Now through the end of the year, enjoy exclusive rates and make more room in your budget for what matters most.

One lump sum. Zero guesswork. It’s your equity, so it’s your rules. Use it to renovate, consolidate, or fund what’s next—home improvements, debt consolidation, education costs, or any other major purchases. 

Borrow What You Need, When You Need It

HELOC: Special intro rate of 4.25% APR4 for the first 12 months

Use your home’s value to provide funds for home projects, surprise costs, and everything in between.

You’ll get peace of mind to cover life’s big moments with ongoing access to money—on your terms and your timeline. Plus, you only pay interest on what you use. This is a home equity option that puts you in control.

Free Radio Promotion for Your Business

Frontwave has partnered with 101.5 KGB to create a program that gives local businesses the chance to grow their visibility through engaging on-air features that spotlight their brand. Designed as an exclusive opportunity for Frontwave Business Members, the program pairs radio exposure with social media support to amplify reach and connect with a broader audience. 

Learn more about this exclusive opportunity and become a Business Partner today!

Operation Donut Drop 🍩

Ready to make your workday way sweeter? Here’s your chance! Enter to win an epic Operation Donut Drop—where the crew from 101.5 KGB’s morning show (Big Rich, TD & Fletch) rolls up to your workplace with a fresh delivery of legendary donuts from Randy's Donuts—all thanks to Frontwave Credit Union!

Enter on their website for a chance to win! You could be the office hero bringing the ultimate donut drop to your team!

Fresh Local Perks. Just for Being a Part of Our Community.

Enjoy exclusive offers from local businesses that give back. No catch. No gimmicks. Just meaningful rewards from the people and places that make our community thrive. 

Support local. Save local. Feel good doing it.

Disclaimers

1 PERSONAL NEW MEMBER OFFER: Important Information and Disclosures

How to qualify: To receive the $600 bonus, open new Frontwave Checking and Savings accounts on the same day (subject to approval). If you open your accounts in a branch or by phone, simply tell us "TD Sent Me." If you apply online, select "TD Sent Me" from the referral dropdown during the application. Within 90 days of account opening, enroll in eStatements, activate your Frontwave Visa® Debit Card, receive $1,000 or more in qualifying direct deposits or ACH credits during two consecutive calendar months, and set up automatic transfers of at least $25 to savings for two consecutive months. Internal transfers and person-to-person payments do not qualify as direct deposits.

How you get paid: The bonus will be deposited into your Frontwave Savings account within 120 days if the requirements are met and your accounts remain in good standing. 

Who’s eligible: Offer available to new Frontwave members age 18 or older who live, work, or attend school in San Diego, Riverside, Imperial or San Bernardino counties, or who qualify through a Select Employer Group (SEG) or military affiliation. Not available to employees, volunteers, or anyone who has had a Frontwave account closed within the past 18 months. Limit one bonus per person. 

Other important info: Offer is effective as of July 1, 2026, and may change or end without notice. A 1099-INT will be issued for tax reporting purposes. 

Heads up, gig workers: To qualify, your deposits must come through as standard direct deposit or ACH into your Frontwave bank account. Transfers from a debit card or wallet (like PayPal or DasherDirect) do not count.

2 APY = Annual Percentage Yield. Minimum $1,000 to open a share certificate. Yield and term quoted are valid as of September 21, 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 our standard 24-month term, 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.

Share Certificates are subject to a market cap of $15 million. Once this limit is reached, new accounts may no longer be accepted until the cap is adjusted.


3 APR = Annual Percentage Rate. The lowest APR available is 6.00% for a fixed-rate Home Equity Loan with a 10-year term, 70% combined loan-to-value (CLTV) or less, loan amounts up to $300,000, and a minimum FICO score of 727. All loans subject to credit approval. Terms and conditions apply.


4 4.25% introductory APR fixed for the first 12 months. After that, the APR is variable and based on the Wall Street Journal Prime Rate plus a margin. Your rate may change with market conditions and may adjust monthly. Maximum APR is 12.00%. HELOCs available only on owner-occupied properties in California and North Carolina. All loans subject to credit approval. Terms and conditions apply.