1 Savers Certificate Terms and Conditions: APY = Annual Percentage Yield. The 2.50% APY is based on a 2.472% dividend rate and is effective June 1 to August 31, 2026, for the 12-month Savers Certificate and 12-month Military Savers Certificate only. APY assumes dividends remain in the account until maturity. A minimum daily balance of $100 is required to earn APY. Rates may change after the promotional period ends. Minimum opening deposit is $100. Maximum opening deposit is $1,000. Monthly automatic deposits must be the same amount each month and must be between $10 and $1,000 for the full 12-month term. Maximum total contribution over 12 months is $13,000. Early withdrawal or account closure is subject to penalty. The penalty is equal to the greater of: seven days of dividends if withdrawn within the first seven days of account opening, including the date the account was opened; or a term-based penalty of 180 days of dividends. Limit one promotional 12-month Savers Certificate or 12-month Military Savers Certificate per eligible Member. Military Savers Certificate only available to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Membership eligibility and other restrictions may apply. Offer subject to change without notice.
2 Freedom Fund Terms and Conditions: Freedom Fund is available for eligible account holders ages 18 and under and must be opened at a branch by August 31, 2026. Account holders under age 18 must have a parent or guardian listed as a joint owner. A minimum opening deposit of $200 is required. The 2.50% introductory APY is based on a 2.472% dividend rate and is valid through December 31, 2026. After the promotional period, the rate is variable and may change at any time. Freedom Fund matching offer available for eligible accounts opened by August 31, 2026. Eligible account holders ages 18 and under may receive matching deposits of up to $10 per month for up to five eligible months following the month the account is opened, for a maximum match of $50. To qualify, deposits totaling at least $10 must be made during an eligible month. Deposits made during the account-opening month do not count toward the match requirement. The initial $200 opening deposit must remain in the account during the promotional period to remain eligible for matching deposits. If monthly deposits total less than $10, no match will be paid for that month. Unused eligible months are not forfeited. Matching deposits may take up to 60 days to post. Membership eligibility and other restrictions may apply. Offer subject to change without notice.
3 Credit Card Balance Transfer Terms and Conditions: Your Frontwave credit card must be in good standing to qualify. The 2.50% APR applies to balance transfers made between June 1 and August 19, 2026. The promotional 2.50% APR expires on January 19, 2028. After that, the standard APR will apply to any remaining balance. A 3% balance transfer fee applies. Transfers cannot be used to pay off Frontwave credit cards or loans. Post-secondary education costs are not eligible. Cash advances are excluded from this offer. Payment and Processing: Payments to creditors are made in the order listed, up to your available credit limit. Credit card payments are applied to balances with the highest APR first. Continue paying creditors until your transfer is posted. Frontwave is not responsible for missed payments, interest or fees with other creditors. For full details, refer to the Visa Credit Card Agreement. Fees and other restrictions may apply. Membership eligibility and other restrictions may apply. Offer subject to change without notice.
4 Auto Loan Terms and Conditions: Offer valid on approved new auto loans or refinances from another lender for standard passenger vehicles with a minimum financed amount of $50,000. Existing Frontwave auto loans are not eligible for refinance under this offer. Apply by August 31, 2026, and fund by September 30, 2026, to qualify. A $250 bonus will be deposited into a Frontwave checking or savings account after loan funding and completion of the first three on-time payments. Limit one bonus per person. Eligible borrowers must be age 18 or older. A 1099-INT will be issued for tax reporting purposes. Membership required. Subject to credit approval, collateral requirements, vehicle age, mileage, condition, insurance verification, and underwriting criteria. A valid driver’s license and current insurance information are required at time of financing. Eligible vehicles include standard passenger vehicles only. Commercial vehicles, vehicles for hire, ride-share vehicles, taxicabs, Lemon Law buybacks, grey-market vehicles, and salvage-title vehicles are not eligible. Membership eligibility and other restrictions may apply. Rates, terms, conditions, and offer subject to change without notice.
5 Mortgage Credit Terms and Conditions: Offer valid on qualifying first-lien mortgage loans applied for by August 31, 2026, and closed and funded by September 30, 2026. A $250 lender credit will be applied at closing and cannot be redeemed for cash. Credit approval required. Property, occupancy, loan type, and other restrictions may apply. Rates, terms, and conditions subject to change without notice. Offer may be modified or discontinued at any time.
6 HELOC Terms and Conditions: Applications must be submitted by August 31, 2026, and qualifying HELOCs must fund by September 30, 2026. The introductory rate applies for the first six months. After the introductory period, the APR adjusts monthly based on the Prime Rate plus a margin, up to a maximum APR of 12%. Introductory rate is available on one property and does not apply to subsequent credit limit increases or refinances. Subject to credit approval and additional terms. Membership eligibility and other restrictions may apply. Offer subject to change without notice. HELOC Advance Truth in Lending Disclosure
