LIMITED-TIME PROMOTION

Start Small.
Grow Fast.

2.50% APY on a 12-Month Savers Certificate*

Open a Certificate by August 31
Get started with an opening deposit of $100 to $1,000.
Set up a Recurring Deposit
Add the same amount each month to build your savings.

Build Momentum with a 12-Month Savers Certificate

Most people don’t need another reminder to save. They need something that helps them stay consistent. With a limited-time 12-Month Savers Certificate, you can earn 2.50% APY while building your savings through automatic monthly deposits.*

Unlike traditional CDs and share certificates that lock you into one opening deposit, this certificate lets you keep adding money as you go. Start with as little as $100, set up monthly deposits and watch small amounts add up over time.

Open by August 31 to lock in this limited-time offer.

Here's how it works:

  • Open Your Certificate by August 31

    Start with an opening deposit between $100 and $1,000 to qualify.

  • Set up Automatic Deposits

    Add the same amount between $10 to $1,000 each month.

  • Watch Your Savings Grow

    Monthly deposits and 2.50% APY help your savings add up faster.

Savers Certificate FAQs

Questions? See the FAQs below for eligibility, deposit guidelines and how the Savers Certificate works.


Traditional certificates require a single upfront deposit. A Savers Certificate lets you start smaller and keep adding money each month, turning consistent deposits into a structured savings plan while earning a fixed rate for the full term.

Start with as little as $100, then set up automatic monthly deposits in the same amount throughout the certificate term. Your balance earns a fixed dividend rate for the full term as your savings grow.

Savers Certificates are available to all Frontwave Members. The Military Savers Certificate is limited to eligible active duty, reservists, retired military, veterans and their spouses, with eligibility verified at account opening. 

Savers Certificates are designed for the full term. Early withdrawals may result in penalties and could reduce earnings.

Opportunity Doesn't Wait

The people who built this country didn’t wait around for perfect timing. They worked with what they had and pushed forward. That spirit still matters today. That’s why Frontwave is celebrating summer with limited-time offers designed to help your money go further, whether you’re saving, borrowing, or planning ahead.

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Disclosures

* 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.

Funds insured up to $250,000 by the National Credit Union Administration.