Frontwave Briefing | Fourth Quarter 2019


Fourth Quarter 2019

Start saving on your insurance today. Frontwave Insurance Services, LLC 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! held March 25, 2020 at 5:00 p.m. at Frontwave’s Corporate office; 1278 Rocky Point Drive, Oceanside, CA 92056 Annual Meeting The Annual Meeting and election of officers for the Board of Directors (Board) and Supervisory Committee (Committee) of Frontwave Credit Union will be Transformative! Yup! That’s us. We’re the Dream Makers at Frontwave Credit Union and we’re absolutely passionate and committed to bring value to your financial lives! everything we do. We bring value to your financial lives. In addition to great loan rates and low fees, we are passionate about financial education. We host terrific financial educational sessions at both our Rancho del Oro and Wildomar branch locations. Make sure to check out our website for up-to-date information on our upcoming Preventing Card Fraud, Wills and Trusts, and Home Buying workshops this quarter.

working! The other night I was at a charity event and got to talking with a young lady about the great work the charity was doing. At some point she asked me where I work. When I told her I was with Frontwave Credit Union, she literally burst out with, “OMG! You guys are everywhere!” We are transforming our branch network. The remodel of our Fire Mountain branch is complete and the branch is open! Come check it out! It is beautiful and reflects our commitment to serve our Members with authentic, personalized service! The remodel of our Winchester branch in Temecula is underway and we anticipate it will re-open in December. Winchester will be our fifth branch employing our new branch model that we are very excited about. We’ve transformed our real estate lending. We now offer VA Loans and have a First-Time Home Buyer Program! We are very proud to be funding 1st Trust Deed Loans in less than 30 days! We have transformed our commitment to our communities. For example… I served as Chairman of the Rady Childrens Dream Big 5K Walk in May and we helped raise over $340,000 for this amazing hospital. Our contributions to the Marine bases we serve saved several Marine Corps Community Services programs in support of our magnificent military members and their families. Our title sponsorship of the Oceanside Turkey Trot – to be held on Thanksgiving morning – helps raise funds for over 90 local charities and causes. We’ll see you there!! We have transformed our commitment to you. Our Mission says it all: “We make financial dreams come true.” It is our purpose, our “Why”. It guides

Bill Birnie, President/CEO Transformative, according to Webster, is defined as “causing or able to cause an important and lasting change in some one or some thing.” I can’t believe that it’s been nearly a year since we changed our name! I don’t know about you, but anniversaries make me a little reflective, and when I look back on the past few years – one word comes to mind: Transformative. As you well know, we’ve embarked on numerous data system changes. All designed to better serve our Members. All important, to be sure. However, the most impactful transformation was the change in our culture – the very essence of who we are as an organization. Armed with this transformed culture and the decision to change our name, we selected a name and a brand that is bold, authentic and innovative! We launched the new name on November 13, 2018. Since that date we have been working tirelessly to raise name recognition and brand awareness. We leveraged radio, TV, billboards, buses, digital media and a whole bunch of other stuff to let the world know who we are and what we stand for. And it’s Notes from the CEO


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