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Use the value you've built to renovate, consolidate, or fund what's next.
Lending options tailored for hardworking business owners like you.
Insights on money, life, and the communities we serve.
Turning compassion into action through grants, scholarships, and support for local nonprofits.
Our competitive deposit rates help your savings grow faster—whether you’re building an emergency fund, planning a big purchase, or preparing for the future. With Frontwave Credit Union, your money works harder every day, putting checking and savings deposits to work for members in California and beyond.
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Elite Plus Checking | 0.250% | 0.25% |
| Dividend Checking* | 0.050% | 0.05% |
* Dividend Checking is a legacy account no longer available for new enrollment.
|
Type of Account
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| Share Savings | 0.050% | 0.05% |
| Student Savings | 0.050% | 0.05% |
| Teen Savings | 0.050% | 0.05% |
| Freedom Fund Kids Savings* | 2.472% | 2.5% |
$5 minimum opening deposit.
No minimum daily balance of $100 required to earn dividends.
*Freedom Fund Kids Savings is a legacy account no longer available for new enrollment.
|
Minimum Deposit
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| $50.00 | 0.050% | 0.05% |
Additional contributions may be made at any time.
There is no minimum balance to earn dividends.
IRA and Roth IRA accounts are subject to IRS rules, including contribution limits and potential tax penalties. Consult a tax advisor.
|
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% |
$2,500 minimum opening deposit.
Funds may be withdrawn at any time without penalty, except loss of dividends, if you close your account before dividends are paid. Fees may reduce earnings. There is no minimum balance required to earn dividends.
Money Market IRAs are subject to IRS rules, including contribution limits and potential tax penalties. Consult a tax advisor.
|
Balance Needed to Earn Dividends
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| $0 to $99,999 | 0.250% | 0.25% |
| $100,000 to $249,999 | 1.982% | 2.00% |
| $250,000 to $499,999 | 2.472% | 2.50% |
| $500,000 to $999,999 | 2.813% | 2.85% |
| $1,000,000 and above | 2.960% | 3.00% |
$10,000 minimum opening deposit.
Funds may be withdrawn at any time without penalty, except loss of dividends, if you close your account before dividends are paid. Fees may reduce earnings. There is no minimum balance required to earn dividends.
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| 6-Month | 3.203% | 3.25% |
| 12-Month | 3.735% | 3.80% |
| 18-Month | 3.832% | 3.90% |
| 2-Year | 4.073% | 4.15% |
| 3-Year | 2.227% | 2.25% |
| 4-Year | 2.227% | 2.25% |
| 5-Year | 2.227% | 2.25% |
$1,000 minimum opening deposit.
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening, including the date; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36-60 months) of dividends. Upon maturity, the certificate automatically renews at the current rate and closest standard term, unless you choose another option. You can withdraw funds without penalty during the 7-day grace period beginning on your maturity date.
Must be a Member or qualify for membership to open a certificate.
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| 6-Month | 3.057% | 3.10% |
| 12-Month | 3.590% | 3.65% |
| 18-Month | 3.687% | 3.75% |
| 2-Year | 3.928% | 4.00% |
| 3-Year | 2.080% | 2.10% |
| 4-Year | 2.080% | 2.10% |
| 5-Year | 2.080% | 2.10% |
$1,000 minimum opening deposit.
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 days of dividends if withdrawn within the first seven days of account opening, including the date; or a term-based penalty of 90 days (6 months), 180 days (12-24 months), or 365 days (36-60 months) of dividends. Upon maturity, the certificate automatically renews at the current rate and closest standard term, unless you choose another option. You can withdraw funds without penalty during the 7-day grace period beginning on your maturity date.
Share Certificate IRAs are subject to IRS rules, including contribution limits and potential tax penalties. Consult a tax advisor.
Must be a Member or qualify for membership to open a certificate.
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| 6-Month | 0.549% | 0.55% |
| 1-Year | 0.747% | 0.75% |
| 2-Year | 0.847% | 0.85% |
| 3-Year | 0.946% | 0.95% |
Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends.
Monthly deposits between $10 (minimum) and $1000 (maximum). Automatic deposits must be the same amount each month for the full term.
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 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 90 days (6 months), 180 days (12-24 months), or 365 days (36 months) of dividends.
Must be a Member or qualify for membership to open a certificate.
|
Term
|
Dividend Rate
|
Annual Percentage Yield
|
|---|---|---|
| 6-Month | 0.797% | 0.80% |
| 1-Year | 0.995% | 1.00% |
| 2-Year | 1.095% | 1.10% |
| 3-Year | 1.194% | 1.20% |
Military Savers Certificate only available to eligible active-duty, reservists, retired military, or veteran Members and their spouses.
Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends.
Monthly deposits between $10 (minimum) and $1000 (maximum). Automatic deposits must be the same amount each month for the full term.
Early withdrawal or account closure is subject to a penalty equal to the greater of the following: 7 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 90 days (6 months), 180 days (12-24 months), or 365 days (36 months) of dividends.
Must be a Member or qualify for membership to open a certificate.
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