Savings Accounts
Your Savings, Your Way
Finding the right savings account shouldn’t be complicated. Whether you’re starting small, teaching your kids smart habits or aiming for bigger returns, we’ve got the options to help you save your way.
Boost Your Savings Potential
Want to earn more on your savings? Explore our high-yield and specialty savings options, like Share Certificates and IRAs. Designed to help you maximize growth, they put your money to work so you can reach your goals faster.
Savings Built for Your Goals
Saving for retirement? Prepping for a big purchase? Setting up your child’s first account? We’ve got you covered. Our accounts fit your life and make your money work harder. Start building the future you deserve today!
Ready to Save Smarter? We Got You.
No hidden fees. No fluff. Just powerful tools and real perks that actually matter. Whether you're starting small, teaching your teen to save, or growing your financial future, Frontwave Credit Union has the perfect savings account for you. Join today and take control of your savings.
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Share Savings Accounts
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Teen Savings Accounts
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Kids’ Savings Accounts
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| You should get this if | You need a go-to account to help you save to reach financial goals. | You are 13-17 years old with a parent/legal guardian as a joint owner. | You are 0-12 years old with a parent/legal guardian as a joint owner. |
| Key Features | Offered as an IRA, too | Start earning dividends immediately | Prizes for reaching savings goals |
| Minimum Opening Deposit | $5 | $5 | $5 |
| Dividend Rates | .05% Annual Percentage Yield (APY) | .05% Annual Percentage Yield (APY) | .05% Annual Percentage Yield (APY) |
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Share Savings Accounts
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| You should get this if | You need a go-to account to help you save to reach financial goals. |
| Key Features | Offered as an IRA, too |
| Minimum Opening Deposit | $5 |
| Dividend Rates | .05% Annual Percentage Yield (APY) |
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Teen Savings Accounts
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| You should get this if | You are 13-17 years old with a parent/legal guardian as a joint owner. |
| Key Features | Start earning dividends immediately |
| Minimum Opening Deposit | $5 |
| Dividend Rates | .05% Annual Percentage Yield (APY) |
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Kids’ Savings Accounts
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| You should get this if | You are 0-12 years old with a parent/legal guardian as a joint owner. |
| Key Features | Prizes for reaching savings goals |
| Minimum Opening Deposit | $5 |
| Dividend Rates | .05% Annual Percentage Yield (APY) |
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Saver Certificates
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Certificates Accounts
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Individual Retirement Accounts (IRAs)
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Money Market Accounts
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| You should get this if | You want your savings to build at a higher rate, but with a lower opening deposit requirement | You have extra cash you can keep on deposit to maximize your savings at a higher rate. | You're ready to start saving for retirement. | You want the ideal blend of higher rates and anytime access to your money. |
| Key Features | Flexible terms Offered as an IRA, too |
Flexible terms. | Short-term and long-term tax benefits. | Tiered earnings. Offered as an IRA, too. |
| Minimum Opening Deposit | $100 to $500 opening deposit $10 to $500 monthly auto-deposit |
$1,000 | Varies by account type | $2,500 |
| Dividend Rates | Varies based on term | Varies based on term | Varies based on term | Varies based on deposit amount |
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Saver Certificates
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| You should get this if | You want your savings to build at a higher rate, but with a lower opening deposit requirement |
| Key Features | Flexible terms Offered as an IRA, too |
| Minimum Opening Deposit | $100 to $500 opening deposit $10 to $500 monthly auto-deposit |
| Dividend Rates | Varies based on term |
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Certificates Accounts
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| You should get this if | You have extra cash you can keep on deposit to maximize your savings at a higher rate. |
| Key Features | Flexible terms. |
| Minimum Opening Deposit | $1,000 |
| Dividend Rates | Varies based on term |
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Individual Retirement Accounts (IRAs)
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| You should get this if | You're ready to start saving for retirement. |
| Key Features | Short-term and long-term tax benefits. |
| Minimum Opening Deposit | Varies by account type |
| Dividend Rates | Varies based on term |
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Money Market Accounts
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| You should get this if | You want the ideal blend of higher rates and anytime access to your money. |
| Key Features | Tiered earnings. Offered as an IRA, too. |
| Minimum Opening Deposit | $2,500 |
| Dividend Rates | Varies based on deposit amount |
- Competitive interest rates
- No monthly fee
- Online Banking access to monitor growth