Share Certificates & Savers Certificates
Make Your Money Work for You
Your savings shouldn’t just sit there. It should grow. A Frontwave Share Certificate (our version of a Certificate of Deposit, or CD) offers competitive fixed rates and guaranteed returns, so every dollar works harder for you.
Lock in Your Rate & Watch Your Savings Grow
- Start with as little as $1,000
- Choose a term from six months to five years
- Enjoy guaranteed returns and NCUA-insured protection up to $250,000
This is saving for go-getters, planners, and dreamers. You’ve got big goals. We’ll help you reach them.
Saving Made Simple
Not ready for a big commitment? Start small with a Saver Certificate. The perfect first step toward financial growth.
- Open with just $100
- Add up to $500 monthly to keep building
- Earn monthly dividends with penalty-free withdrawals
Great for first-time savers or anyone looking for a smart, flexible way to grow their money.
Exclusive Savings for Military Heroes
You serve your country. We serve you. Since 1952, we’ve proudly helped military members build brighter financial futures. Our Military Saver Certificates offer even higher fixed rates, exclusively for active duty, veterans, and military families.
- Open with just $100
- Contribute up to $500 monthly to accelerate growth
- Access penalty-free dividends for extra flexibility
Why Choose a Share or Saver Certificate?
Tailored to Fit Your Goals
- Saver Certificate: Start small with $100 and build over time.
- Military Saver Certificate: Exclusive higher rates for military members and their families.
- Share Certificate (CD): Maximize returns with larger deposits and flexible terms.
Secure, No-Stress Growth
- Guaranteed Returns: Fixed rates shield your savings from market volatility.
- Federally Insured: Your money is backed by the NCUA up to $250,000.
Start growing your savings today with a Frontwave Share Certificate. Lock in your rate and take control of your financial future!
Share Certificates
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 6-Month | 3.25% | 3.30% |
| 8-Month | 3.78% | 3.85% |
| 12-Month | 3.20% | 3.25% |
| 13-Month | 3.64% | 3.70% |
| 18-Month | 3.20% | 3.25% |
| 2-Year | 3.11% | 3.15% |
| 3-Year | 2.96% | 3.00% |
| 4-Year | 2.96% | 3.00% |
| 5-Year | 3.06% | 3.10% |
Minimum Deposit/Balance - $1,000
Rates and terms subject to change without notice.
Must be a member or qualify for membership to open a certificate.
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. Upon maturity, the certificate will automatically renew at the current rate and term closest to our standard terms (6, 12, 18, 24, 36, 48, or 60 months), 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.
Saver Certificates
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 6-Month | 0.55% | 0.55% |
| 1-Year | 4.41% | 4.50% |
| 2-Year | 0.85% | 0.85% |
| 3-Year | 0.95% | 0.95% |
Opening deposit $100 (minimum) to $500 (maximum).
Monthly deposits between $10 (minimum) to $500 (maximum).
Withdrawal of certificate funds before maturity may be subject to penalties.
Rates and terms subject to change without notice. Membership subject to approval.
Minimum daily balance of $100.00 required to earn dividends. Penalty for early withdrawal.
No hidden fees and very good service!
— Frankie M., Oceanside
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