Frontwave Briefing | Third Quarter 2019


Third Quarter 2019

Starting in 2020, the tax credit decreases. Why leave money on the table? If you’re thinking about solar – now’s the time to get it done! Imagine if you utilized those savings to add a little extra to your mortgage payment each month. You’ll increase your equity and pay off your mortgage years earlier. Speaking of mortgages, we’ve created a First Time Home Buyer Program and added fixed and variable rate VA Loans as well as no closing cost 5/5 Adjustable Rate Mortgages to our suite of real estate products. I know how frustrating it can be waiting for your loan to get funded. So we focused on generating operational efficiencies and are now closing nearly every mortgage related loan in less than 30 days! At Frontwave Credit Union, you’re going to get great rates, great products and speed! Lastly, we are fanatical about financial education! We believe that we have an obligation to give back to our communities and providing everyone with free, non-solicitous financial education is good for the individual and good for the community! I mean, let’s face it… How much better off would we all be if we simply made sound financial decisions. In addition to the hundreds of classes we do on all of the Marine bases we serve, we also offer classes to the community at large at our headquarters building in Oceanside and at our branch in Wildomar. Check out our website for a complete list of all the available classes – absolutely free – even the pizza! You don’t have to be a Member to attend. So bring a friend! Bring all your friends! How cool is that? Hanging out with your buddies, learning about retirement planning and wolfing down some great pizza? Knowledge is power! Dream Big! We Got You!

Start saving on your insurance today. Frontwave Insurance Services is a one-stop shop for all of your insurance needs. Call today for a free, no obligation insurance quote and let us find you the best insurance for you at the best price. • Auto & Motorcycle Insurance • Home & Renters Insurance • Term Life Insurance • Identity Theft Insurance • And More! must be filed with the Chairman of the Board by close of business on September 30, 2019. All nominations must be accompanied by a certificate or letter from the nominee agreeing to serve if elected. Call for Nominations The Annual Meeting and election of officers for the Board of Directors (Board) and Supervisory Committee (Committee) of Frontwave Credit Union will be held March 25, 2020 at 5:00 p.m. at Frontwave’s Corporate office; 1278 Rocky Point Drive, Oceanside, CA 92056 Volunteer Opportunities: Board of Directors: THREE positions with 3-yr. terms. Supervisory Committee: TWO positions, ONE with 2-yr. term and ONE position with 1-yr term. If you are a member in good standing and are interested in applying for nomination, you are invited to submit an application via our website at or mail an application to the Corporate Office to the attention of the Nominating Committee. Their nominations

Bill Birnie, President/CEO OMG! I was beginning to think that June Gloom would never go away! Summer is finally here! How can you not love summer? The beach, barbeques in the back yard and all sorts of activities you can do on glorious sunny days. That’s another reason I love summer. Sunny days save me money – lots of money. OK, so here’s the deal… I bought my house right at the end of 2009. Everything in the house is electric – even the water heater. The average electric bill for the previous owner was $650 a month! It didn’t take me long to move into action and our new solar energy system was put into service in May 2010. Since that date, in total, I have paid less than $600 for electricity. Through the savings of nearly $650 each and every month, my solar energy system has paid for itself in just 9 years! BTW, did you know we do Solar Loans? We offer great rates, exceptional service and we get it done fast. This is the last year you can receive a 30% tax credit for a new solar energy system. Notes from the CEO


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