Frontwave Brochure

This is Frontwave Credit Union's Member Brochure

Banking | Lending | Saving | Planning

Dream big.

We got you.

100% Committed. Zero Excuses.

You spend your days working. And your free time playing. You plan. You grow. You fight for what’s important. And you never back down from a challenge. We like that about you and we want to help you out. We’re Frontwave Credit Union, and we help make things possible. Our commitment to your financial success never wavers. It’s a

responsibility we take seriously. At Frontwave SM , we fight for our

members. So go ahead. Dream big. We got you. SM

Need more info? Check out frontwavecu.com .

Bank We always tell it straight. When it comes to managing your day-to-day finances and planning for your goals, we offer simple solutions to meet your banking needs.

Checking Rules, regulations, and restrictions. Don’t you get tired of having to read the fine print? That’s why a hassle-free Frontwave Credit Union checking account is so attractive. What you see is what you get.

Savings Save today. Reach your financial dreams tomorrow. Frontwave Credit Union Savings Accounts, Money Markets, Certificates, and IRAs do a lot more than give you a place to stash your cash. They open up a world of possibilities. Someday that money could turn into taking that far-flung trip you always wanted, sending your kids to the college of their dreams, or retiring in style.

Monthly Service Fee

Minimum Balance

Minimum Opening Deposit

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Key Features

Primary Checking

You want to enjoy the peace of mind of having a FREE checking account. You are 13-17 years old with a parent/legal guardian as a joint owner.

Savings Account

You need a go-to account to help you save for special goals.

No monthly fee.

Teen Checking

You are 13–17 years old with a parent/legal guardian as a joint owner. You are 0–12 years old with a parent/legal guardian as a joint owner. You want your savings to grow at a higher rate, but don’t have a huge opening deposit. You have extra cash you can keep on deposit to maximize your savings at a higher rate.

Start earning dividends immediately.

Teen Savings Account

$5. Waived if 55+ years old or $1,500 daily balance is maintained.

Dividend Checking

$5 to earn interest.

You want to earn interest.

Prizes for reaching savings goals.

Kids’ Saving Account

Saver Certificates

Flexible terms.

$100 – $500

Flexible terms. Offered as an IRA, too. Short-term and long-term tax benefits. Tiered earnings. Offered as an IRA, too.

$1,000

Certificates

You’re ready to start saving for retirement.

Varies by account type

IRAs

You want the ideal blend of higher rates and anytime access to your money.

Money Markets

$2,500

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Visit frontwavecu.com for complete details.

Borrow We’re always up for a challenge. So we offer the flexible, affordable financing you need to tackle any obstacle standing between you and your goals.

Auto Loans Whether you’re cruising the coast, commuting to work, hauling the kids, or trailing cargo, we know you’ll need some wheels to get around. We’ll make getting the wheels you want hassle-free. We offer low loan rates, free auto- buying services, and valuable ways to protect your ride. New or used, refi or buy, get rolling today. • Attractive rates on vehicle loans • Loans available for purchase or refinance of new and used vehicles • Up to 120% financing on new and used autos • Flexible terms ranging up to 96 months • Option to defer your 1 st payment for up to 90 days for qualified buyers* • Free car-buying service available for new and used, cars and trucks Free Auto Buying Service Let us do the legwork. We can serve as your own personal GPS and steer you through the entire vehicle-buying process. In the end, you’ll have the car, pickup, or SUV you want, a loan you can afford, and be back out on the road in no time flat. Refi We also make it easy to refinance your vehicle with a loan that better fits your financial needs. • Lower your interest rate • Reduce your monthly payments • Choice of terms and payment options • Easy application process

Motorcycles Whether it’s a chopper, cruiser, sport bike, or scooter, if you’ve got your sights set on the open road, we’ve got the affordable financing you need to get there. Our motorcycle loans are made to fit your needs. • Attractive rates on motorcycle loans • Extended term options • Loans available for purchase or refinance of new and used motorcycle loans • Up to 120% financing of MSRP on new motorcycles, and NADA Retail Value on used motorcycles • Option to defer your 1 st payment for up to 90 days for qualified buyers* Recreational Loans Open roads and adventure are calling. Break out of that day-to-day rut and put some serious excitement in your life. A Frontwave Recreational Loan can get you up to speed with a low-cost loan that puts years of fun within your reach. • New: Includes motor homes and RVs, travel trailers, fifth-wheels, jet skis, ATVs, and OHVs • Used: Includes motor homes and RVs, travel trailers and fifth-wheels up to seven model years old • Finance up to 100% of MSRP/list price or NADA’s suggested price • Terms up to 180 months • Option to defer your 1 st payment for up to 90 days for qualified buyers*

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*Interest will accrue from the date funds are disbursed.

Borrow

Credit Cards Some cards save you tons of money with extra low interest rates. Some earn you cash back, travel deals, and other exciting rewards. Some can help take your credit rating to another level. Our Visa ® credit cards offer something for everyone. Pick the card that gets you where you want to go. All Credit Cards include: • Low interest rates • No annual fee

Mortgage Loans Our loans are like keys. They open all sorts of doors. At Frontwave, we can help you move into your new place with a low-cost home loan. Just as Southern California offers a wide range of architectural styles, we offer mortgages to suit any budget or lifestyle.

Purchase | Refi | 1st Time Home Buyer | VA All Frontwave Mortgages include: • Easy application process • Opportunity for pre-approval Home Equity Loans

• Attractive interest rates and low fees • Flexible loan terms

• Offered as overdraft protection • Cash advance option available

Annual Fee

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Features

A home equity loan offers financing for just about anything. Whether it’s putting in a pool, traveling across the globe, or sending your kid to college, it’s a smart move. You can use your funds for practically whatever you want.

Earn one point for every dollar on Visa purchases. Redeem points for travel, merchandise, cash, gift cards, & more.

Frontwave Visa ® Rewards

You want to earn rewards points with every purchase.

Annual Fee

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Key Features

Home Equity Lines of Credit

You want to cover various expenses that span over an extended period of time such as home repairs or tuition. You want to make a one-time major purchase such as a home remodel, or as a way to consolidate debt.

Frontwave Visa ® Platinum

Comes with Visa card and/or checks

You want to minimize your monthly payment.

Our best rate.

Home Equity Loans (Fixed)

Fixed interest rate

Frontwave Visa ® Classic

You want a solid card with no annual fee.

Get all the standard Visa benefits.

Visit frontwavecu.com for current rates and terms.

Solar Loans Our low-rate Solar/Energy Efficiency Loans are designed specifically for energy-saving projects. Add on energy efficient upgrades from attic and wall Insulation to energy-efficient windows. • Low interest rates • Borrow up to $75,000 • Terms up to 20 years (240 months) • Take advantage of the federal tax credit before it decreases.*

Visit frontwavecu.com for current rates and terms.

Visit frontwavecu.com/solar for current rates and terms. *Consult your tax advisor.

Plan

Manage

Preparation is key. We can help you craft a financial plan that fits your current situation and future needs.

Smart money management is all about control, so we make it simple for you to manage your money around the clock with easy-to-use tools that offer more insight and flexibility.

Digital Banking Frontwave uses cutting-edge technology to help you get things done pronto. Instead of driving to a credit union branch, use our online and mobile banking tools to manage your accounts 24/7. Online and Mobile Banking

Investment Services Your financial dreams are our top priority. The Frontwave Investment Services* program located at Frontwave Credit Union is here to work with you to determine your comfort level, create an investment timeline, and set long-term goals. Regardless of where you are in life, the end result will be a strategy designed to protect, build, and use your assets in the most advantageous way. Professional Services Insurance products which are available are not deposits of Frontwave Credit Union and are not protected by any type of deposit insurance, are not obligations of or guaranteed by Frontwave Credit Union or its affiliates, and may be subject to risk. Insurance products are not insured or guaranteed by the National Credit Union Administration (NCUA) or any other agency of the United States. Any insurance required as a condition of the extension of credit by Frontwave Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice. Insurance Services Protecting your family and assets is always a good policy. At Frontwave Insurance Services, LLC, we believe that protecting what you’ve worked hard for is part of a smart financial plan. If misfortune strikes, insurance protects your family, house, car, and other big investments. • Auto & motorcycle insurance • Home insurance • Term life insurance • Identity theft insurance • Pet insurance • Renters insurance and more To get a free, no-obligation quote, call 844.788.0820 or visit our insurance website at frontwavecu.com/insurance .

• Check account balances • Transfer funds

• Sign up for email alerts • High-tech protection safeguards your privacy • eStatements

• Make loan payments • Pay bills electronically • Deposit checks from your phone • Link your Apple Pay, Google Pay, or Samsung Pay to your Frontwave cards for easy mobile wallet payments

Convenient Access 30,000 Fee-Free ATMs

That’s more than most of the biggest banks. And it includes selected locations where you shop, like 7-Eleven, Circle K, Costco and Dunkin Donuts. Visit frontwavecu.com/locations or the locations tab on your Frontwave mobile app to find the fee-free ATM nearest to you! 5,000+ Shared Branch Locations Feel right at home when you visit participating credit union branches across all 50 states. It’s a free service for easy access to your money wherever you go. To find the Frontwave or Shared Branch nearest you, visit frontwavecu.com/locations or the locations tab on your Frontwave mobile app! 24/7 Express Line Telephone Banking Call 800.829.7676 to check your accounts anytime through Express Line, our automated telephone banking service.

• Retirement planning • General investment management • Long-term care insurance • Education funding • Comprehensive financial guidance

• Personal financial assessments • 401(k) planning • Retirement income planning

• Portfolio management • Investment management

For additional information or to schedule a no-cost/no-obligation appointment, contact Frontwave Investment Services at 760.439.6960 or visit frontwavecu.com/invest . *Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. NOT NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. FR-3763608.1-0921-1023

CALL

VISIT

ROUTING 322274925

800.736.4500

frontwavecu.com

Becoming a member is easy. You just apply online, call, or you can even visit a branch. Membership Eligibility We’re looking to make your life easier and your financial outlook a lot brighter. It’s important to know that we’re owned and governed by our members, and that our focus is not on profits but on great service. And we’d like to invite you to join the thousands of others who benefit from Frontwave membership. Eligibility Requirements • Live, work or worship in either San Diego, Riverside, or San Bernardino counties. • Or be an immediate family member of a current Frontwave Credit Union member.

Rev. 09/21

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