NOTES FROM THE CEO
As a member of Frontwave, you have the opportunity to shape the direction of our organization by voting in the 2025 Board of Directors Election. This year, there are three open positions on the Board, and six candidates are running to represent you. We’re proud to partner with Survey & Ballot Systems (SBS) again this year to deliver a secure, efficient election. Ballots will be sent to eligible members via email and mail in February, with results shared on March 26. WHAT YOU NEED TO KNOW • When: February 28–March 21, with in-branch voting from March 3–15. • Who Can Vote: Active members with $50 on deposit or an active loan as of December 31, 2024 (Other eligibility requirements may apply). Shape the Future of Frontwave Credit Union! 2. Our Growth: Financial growth at Frontwave isn’t about profits—it’s about building the strength to serve you better. Together, we can offer competitive rates, reduce fees and introduce tools that make managing your money easier. 3. Your Loyalty: We know you have choices, and we’re honored you chose Frontwave. Over the past several months, we have been vetting partnerships to leverage our digital platforms and AI technology to significantly elevate and streamline your experience. We’re super excited about the possibilities and will be working diligently throughout 2025 to bring those possibilities to life! As you set your goals for 2025, remember that small steps—like preparing for tax season, reviewing your credit, and building a habit of routine savings—can lead to big successes. Financial wellness is a journey built on one decision at a time, and you don’t have to go it alone. Frontwave is here to support you every step of the way.
Let’s make 2025 a year of progress together! Every journey begins with a single step, and those steps can lead to great things.
Thank you for your loyal membership at Frontwave Credit Union!
Dear Frontwave Members, Happy New Year! As we welcome 2025, I’m filled with gratitude and excitement for the opportunities ahead. A new year brings fresh possibilities, and we’re honored to be part of your financial journey. Our goal remains simple: to make Frontwave the best place you’ve ever banked, empowering you to achieve your goals and build the future you envision.
Warm regards, Bill Birnie President/CEO, Frontwave Credit Union
My connection to Frontwave runs deep — not just as CEO, but as a proud member.
HOW TO VOTE • Electronic Voting: Members with a valid email will receive a ballot link by February 28. Voting closes March 21. • Mail-in Ballot: Completed ballots must be received by March 15. Request a paper ballot by February 24: Phone: 952.974.2339 Email: support@directvote.net • In-Person Voting: Vote at any of our 13 branches during normal hours, March 3–15. We’ll share election updates via mail and email in February. In the meantime, review candidate biographies and statements to learn about those running to represent you. Your vote matters. Make your voice heard and help shape the future of Frontwave Credit Union. View Election Details
In March, you’ll have a unique opportunity to shape Frontwave’s future by participating in our 2025 Board of Directors Election. This is your chance to vote for the leaders who will be representing you and advocating for your interests. Their mission is to set the overall direction of the credit union and ensure it operates with your best interests at heart. There are three board positions up for grabs, and we have six highly qualified candidates for your consideration. To ensure a secure process, we’re partnering with Survey & Ballot Systems (SBS) again this year. In February, eligible members will receive
information about the election process and how to cast your ballot by electronic voting, mail- in ballot or by voting in-person. We will announce the election results at the Annual Meeting of the Membership on March 26. The idea of a volunteer Board of Directors and a volunteer Supervisory Committee, elected by our Membership, holds deep personal meaning for me—it’s where my Frontwave journey first began. I started as a volunteer on the Supervisory Committee and later served on the Board of Directors. Through these roles, I saw firsthand the profound impact Frontwave has on its
members. Those experiences shaped my commitment in service to this organization. A dedication I carry with me every day as CEO. As we look ahead, we’re focused on three key areas to serve you better: 1. Our Team: Excellence drives everything we do. We invest in our employees to ensure they’re engaged, empowered and ready to provide you with exceptional service and an amazing experience — whether you’re opening your first savings account or buying a home.
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