LIMITED-TIME PROMOTION

Declare Financial
Independence

Grow your savings with strong rates and give your kids a head start with accounts built to last.

Savers Certificates
Lock in a 2.50% APY for 12 months and keep adding as you go.1
Freedom Fund for Kids
Earn a 2.50% introductory APY and help build smart saving habits early.2

Freedom Starts Here

The next chapter is built by what you do now. Save stronger. Set your kids up early. Put your money where it can do more. With limited-time offers on Saver Certificates and the Freedom Fund, this is your chance to build something that lasts.

Savers Certificate

Lock in 2.50% APY for 12 months and keep contributing as you go.1

Savers Certificates are built for momentum. Start with a smaller balance and keep adding to it each month as your savings grow.

Open by August 31
Deposit $100 to $1,000 to get started.²

Automatic monthly deposits
Set recurring deposits between $10 and $1,000 each month.³

Limited-time introductory rate
Put your money to work while you keep contributing.

Open your Saver Certificate online or at a branch before August 31.

Freedom Fund

For savers ages 18 and under. Earn a higher rate, plus we match deposits up to $50.4

Save monthly, build strong habits and earn more with a 2.50% introductory APY.4

$200 gets it started
Open the account with a one-time initial deposit.

Save at least $10 a month
For five qualifying months and we’ll match it.

2.50% introductory APY
Available through December 31, 2026.

Stop by a branch to open your Freedom Fund before August 31.

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.

See All Offers
Disclaimers

1 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. Early withdrawal or account closure is subject to a penalty equal to the greater of the following: seven (7) days of dividends if withdrawn within the first seven (7) days of account opening, including the date the account was opened; or a term-based penalty of 180 days of dividends. Rates may change after the promotional period ends. Membership eligibility and other restrictions may apply. 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 Minimum opening deposit $100. Maximum opening deposit $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. 

3 APY = Annual Percentage Yield. 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. Membership eligibility and other restrictions may apply. Offer subject to change without notice.

4  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. 

How the Freedom Fund match works: Open your Freedom Fund with $200 and keep that opening deposit in the account during the five-month promotional period. Then, starting the month after opening the account, deposit at least $10 in a month and we’ll match it up to $10.

Example: Open your account in June with $200.

  • July: Deposit $15 → Earn $10 match
  • August: Deposit $5 → No match
  • September: No deposit → No match
  • October: Deposit $25 → Earn $10 match
  • November: Deposit $12 → Earn $10 match

Total matches earned: $30.