Your Equity. Your Rules.

Use the value you've built to renovate, consolidate, or fund what's next. 

Loans That Mean Business

Lending options tailored for hardworking business owners like you.

News. Money tips. Community impact.

Insights on money, life, and the communities we serve.

Frontwave Foundation

Turning compassion into action through grants, scholarships, and support for local nonprofits.

Community
See how we support local causes and initiatives that strengthen the neighborhoods where we live and serve.
Learn about our 501(c)(3) nonprofit advancing positive change in our communities.
Special Offers
Discover exclusive discounts & special offers from local businesses — made just for our community!

Follow us on Instagram to win free tickets to Frontwave Arena!

Higher balances unlock higher returns.

Withdraw or transfer your cash anytime.

Put Your Cash Where It Can Work Harder

Whether you're building savings with a Frontwave Money Market Account or earning higher rates on larger balances with a Premier Money Market Account, both options help your money earn more without locking it away. No unnecessary complexity. Just savings that stays ready when you need it.

  • Put Your Cash to Work

    Earn higher dividends vs. regular savings

  • Stay Liquid

    Access your money anytime

  • Rates Rise with You

    Higher balances earn higher rates

  • NCUA Insured

    Funds protected

Frontwave Money Market Account

Build savings steadily while keeping your cash accessible for everyday goals, emergency reserves, and short-term planning. Open with as little as $2,500 and earn more as your balance grows without locking your money away.

Higher Earnings. Easy Access.

Earn more on higher balances without locking up your money.

Tiered earnings 
Higher balances earn higher rates.

Move money anytime 
Transfer or withdraw funds whenever you need them.

No monthly fees 
Keep more of what you save.

Federally insured 
Protected by the NCUA up to $250,000.

Built for Real Life

It isn’t just about earning more. It’s about being ready for what’s next.

Your financial defense 
Keep a cushion ready when life throws curveballs.

Ready for the big stuff 
Save for travel, home projects or the next big move.

When your savings get serious 
A smarter place for larger balances to grow.

Ready when opportunity shows up 
Keep cash ready for the moments you don’t want to miss.

Premier Money Market Account

Built for larger balances that deserve stronger earning potential without being locked into a certificate. Open with $10,000 and keep larger balances accessible, earning, and ready for what’s next.

Liquidity with more upside

Keep larger balances earning while maintaining access to your cash.

1.50% APY* on $100,000+
 A stronger return for larger balances.

3.00% APY* on $1M+
Higher-tier earnings as balances grow.

No fixed term
 Access funds without long-term commitments.

Designed for flexibility
Built for balances that need to stay ready.

 

 

Not all cash should sit still

Some balances are sitting around waiting for what comes next.

Between major moves
 Home sale proceeds, business reserves or large purchases.

Holding funds temporarily
 A place for cash while decisions come together.

Built for transitional money
 For balances that may not stay parked forever.

Long-term cash reserves
 Larger balances that still need room to move.

Compare Money Market Rates

Compare our Money Market and Premier Money Market rates to see which option fits how you save, manage cash, and plan for what’s next.

Frontwave Money Market & Money Market IRA Rates*

Effective Date: June 1, 2026
Balance Needed to Earn Dividends
Dividend Rate
Annual Percentage Yield
$0 to $9,999 0.100% 0.10%
$10,000 to $24,999 0.200% 0.20%
$25,000 to $49,999 0.499% 0.50%
$50,000 to $99,999 0.747% 0.75%
$100,000+ 1.243% 1.25%

Premier Money Market & Money Market IRA Rates*

Effective Date: June 1, 2026
Balance Needed to Earn Dividends
Dividend Rate
Annual Percentage Yield
$0 to $99,999 0.250% 0.25%
$100,000 to $249,999 1.490% 1.50%
$250,000 to $499,999 1.982% 2.00%
$500,000 to $999,999 2.472% 2.50%
$1,000,000 and above 2.960% 3.00%
BLOGS

Tips That Can Help You Save With Confidence.

Want Even Higher Returns?

If you're looking to maximize your earnings and can set aside your funds for a fixed term, check out our Share Certificates. With guaranteed returns and fixed rates, they’re built for long-term goals like retirement, homeownership and major purchases.

SHARE CERTIFICATES
Disclaimers

* APY = Annual Percentage Yield. Minimum opening deposit of $2,500 required for Frontwave Money Market Accounts. Minimum opening deposit of $10,000 required for Premier Money Market Accounts. Funds may be withdrawn at any time without penalty, except loss of dividends if the account is closed before dividends are paid. Fees may reduce earnings. Premier Money Market IRAs are subject to IRS rules, including contribution limits and potential tax penalties. Consult a tax advisor.

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