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Advertiser Disclosure
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 Frontwave Credit Union Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 12, 2026
Frontwave Credit Union's 6-Month CD rates are at 3.65%. Frontwave Credit Union's 30 Year Fixed Jumbo rates are at 6.00%. MonitorBankRates evaluates the financial stability of Frontwave Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates were last updated on 05/12/2026. Frontwave Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Frontwave Credit Union? Share your experience about Frontwave Credit Union by leaving a review below, or read customer reviews before you decide to use Frontwave Credit Union. 
Frontwave Credit Union CD Rates
Frontwave Credit Union Mortgage Rates
Frontwave Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Frontwave Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Frontwave Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Frontwave Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Frontwave Credit Union
Website
https://www.frontwavecu.com
Address
1278 Rocky Point Dr,
Oceanside, CA 92056
Phone
800-736-4500
Fax
877-789-7628
President
Gary Greving
CEO
William Birnie
Full-Time Employees
245
Part-Time Employees
11
Branch Locations
18
ATM Locations
18
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.45%
Return on Assets (ROA)
0.4440%
Return on Equity (ROE)
4.5485%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
1,515,675,814
Total Amount of Shares and Deposits
1,154,163,848
Total Shares and Deposits < 1 Year
1,116,636,107
Total Shares and Deposits 1 3 Years
34,401,686
Total Shares and Deposits > 3 Years
3,126,053
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
68,839,862
Total Uninsured Shares and Deposits > $250K (F+J)
68,839,862
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,085,323,986
Total Interest Expense (Sum of items 6 8)
16,183,618
Share Certificates
10,052
Number of Accounts for Share Drafts
108,204
IRA KEOGH Accounts
1,737
Number of Accounts for Regular Shares
73,842
Money Market Shares
2,311
Net Income (unless the amount is already included in Undivided Earnings)
6,729,517
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
74,842,279
Total Liabilities
1,385,233,798
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Frontwave Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Frontwave Credit Union
Frequently Asked Questions About Frontwave Credit UnionHow many branches does Frontwave Credit Union operate?Frontwave Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Frontwave Credit Union?Yes, to access services at Frontwave Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Frontwave Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Frontwave Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Frontwave Credit Union offer online and mobile banking?Most modern institutions like Frontwave Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.frontwavecu.com. Compare to Other Credit Unions
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