Frontwave Briefing | Fourth Quarter 2022

Briefing frontwavecu.com

Fourth Quarter 2022

Frontwave in the Community

At Frontwave, we not only provide great financial services, we’ve made it our mission to be a positive force in the community. That means sponsoring community events and worthwhile causes – and we’d love to see you there! • Bike the Coast – November 5, 2022 • Oceanside Turkey Trot – November 24, 2022

What’s better than free financial education? Getting it from the comfort of your couch! Register for one of our virtual workshops today at frontwavecu.com/workshops. Upcoming Financial Workshops

We’ve got you covered coast-to-coast!

UPCOMING HOLIDAYS Frontwave will be closed in observance of the following holidays this quarter: New Year’s Day Wednesday, January 1 Martin Luther King Jr. Day Monday, January 20 President’s Day Monday, February 17 Express Line, Online Banking, Mobile Banking, and ATM service we’re proud to serve you. Let us expertly walk you through the VA program and all that it offers home buyers in this free virtual workshop. We will give you tips and tricks to make your buying process as easy as possible. • Wednesday, November 9 @ 6:30 pm Military Home Buying You serve your country proudly and First-Time Home Buying What financial dream is bigger than owning your own home? We want to help prepare you for what it will take and how to make the process easier. In this free virtual workshop, our real estate and mortgage experts will walk you through the steps it takes to become a homeowner. • Wednesday, October 12 @ 6:30 pm • Wednesday, December 14 @ 6:30 pm Columbus Day - Monday, October 10 Veterans Day - Friday, November 11 Thanksgiving - Thursday, November 24 Christmas (observed) - Monday, December 26 observance of the following holidays this quarter: Express Line, Online Banking, Mobile Banking, and ATM service will be available as usual.

CONTACT US Express Line 800.829.7676 Member Solution Center 760.631.8700 or 800.736.4500 Mon-Fri: 7am – 6pm, Sat: 9am – 4pm Autoland 800.234.6999 Enterprise Car Sales 800.CAR.SALES GreenPath Financial Wellness 877.337.3399 Frontwave Investment Services 760.439.6960 Frontwave Insurance Services, LLC 844.788.0820 Visit frontwavecu.com/workshops for more info or to register today! Estate Planning No one wants to think about it, but we should all be prepared for the inevitable. In this free virtual workshop, Attorney Benjamin Diederich will teach you the basics of wills, trusts and estate planning to properly ensure your legacy for the future. • Wednesday, October 19 @ 6:30 pm • Wednesday, December 21 @ 6:30 pm IP 101, Intro to Intellectual Property In this free virtual workshop, Attorney Benjamin Diederich will help you navigate through the complicated legal mechanism designed to protect you, your ideas and your creations. • Wednesday, November 16 @ 6:30 pm Express Line 800.829.7676 Member Solution Center 760.631.8700 or 800.736.4500 Mon-Fri: 7am – 6pm, Sat: 9am – 4pm Autoland 800.234.6999 Enterprise Car Sales 800.CAR.SALES GreenPath Financial Wellness 877.337.3399 Frontwave Investment Services 760.439.6960 Frontwave Insurance Services, LLC 844.788.0820

When online banking won’t do and your usual branch or ATM is too far away, remember Frontwave Members have access to more than 5,600 CO-OP Credit Union “Shared” branches within the U.S. and nearly 30,000 surcharge- free ATMs worldwide. To find a nearby location, call 888.748.3266 or visit co-opcreditunions.org.

Stay Connected

STATISTICAL REPORT As of November 30, 2019 Members: 91,614 Assets: $890,891,398 Total Shares: $757,133,421 Loans Outstanding: $603,949,171 Follow us on Facebook, Instagram and Twitter for all the latest credit union news, contests, workshops and more! As of August 31, 2022 Members: 122,163 Assets: $1,354,526,370 Total Shares: $1,091,336,157 Loans Outstanding: $848,618,711

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