Briefing frontwavecu.com
Second Quarter 2021
deposit that puts $10 or $20 a paycheck into a special savings account that you don’t touch for anything else. Not sure how to set that up? We’ll help you do it. Anytime you find yourself with some extra cash — say from a tax return or a little leftover from the latest round of stimulus checks — stash it in there. You’d be surprised how your savings can grow when you stay disciplined and keep adding to it little by little. Another way we’re helping Members build that emergency fund is by participating in the America and Military Saves programs. Each year, we leverage these programs to encourage a habit of regular savings by offering special 12-month Saver Certificates at rates that are well above market. You can start with as little as $100 or as much as $500, then deposit between $10 and $500 into your Saver Certificate each month for a year. Then watch your savings rack up with daily dividends and our special, extra high APY. This year’s promotion just launched on April 1 and it runs through April 30, 2021, so there’s plenty of time to get in on the action! Keep in mind, it’s not just good deals on savings and checking accounts we offer to help you save. It’s also our great rates and personalized service on auto, home and solar loans, as well as retirement and insurance services. Did you know that Frontwave Insurance Services saved our Members an average of $540.71 last year? That’s a big chunk of money you could save with one simple phone call! We want to be your one-stop shop for all things financial wellness, and we’ve got something to offer no matter where you are in life. Want to learn about buying a home or creating an estate plan? Check out one of our upcoming webinars. Need help planning for retirement? Give Frontwave Investment Services a call. Need some help figuring out what the next steps are in meeting your financial goals? Swing by a local branch for your free financial checkup. Whatever you need, whenever you need us, we got you. Thanks for your Membership!
2020 Annual Report
Our 2020 Annual Report is now available. The report offers a summary of our 2020 financials and achievements, as well as insights from the Chairman of the Board of Directors, the Treasurer, and the Chairman of the Supervisory Committee. Click here to view it online, or ask for a copy at your local branch. You Spoke. We Listened! When we say we want to do everything we can to make your Frontwave experience great, we mean it. We value the feedback you give us, and take action to make improvements. Thanks to your input: • We’ve added our routing # to the Account Details tab inside online banking for each of your deposit accounts to make it easier to find. Don’t feel like logging into online banking? No problem — our routing # can also be found in the upper left corner of just about every page on our website. • We removed your birth date from your User Profile within online banking to enhance your security in the event someone were to gain unauthorized access to your account. Got any other feedback for us? We want to hear it! The next time you give us a call or complete a transaction, you may get a survey asking how we did. We really appreciate you taking a few minutes to tell us how you feel. Thanks for your Membership!
Notes from the CE0
Bill Birnie, President/CEO A year after the world practically shut down, it feels like we’re finally starting to see the light at the end of the tunnel. Cases of COVID-19 are steadily decreasing, vaccinations are on the rise, and many businesses are returning to more normal operations. Churchill once said, “If you’re going through hell, keep going.” I have to admit that it really feels good to see this long march through the pandemic is finally offering some optimism that we’re coming through the other side. One of the many lessons we learned over the past year is just how important it is to have a personal safety net in the form of an emergency fund. If you’re one of the millions of Americans who was furloughed or laid off last year, or had to reduce your hours to provide childcare or oversee virtual schooling, you may have had to tap into this pot of savings — or even exhausted it. If you didn’t have a fund to begin with, you now know just how important it really is. Whatever your situation, we’re here to help! The easiest way to begin building (or rebuilding) your emergency fund is to start small. Set up an automatic
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