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Frontwave Credit Union

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Frontwave Credit Union Rates & Review October 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Frontwave Credit Union's top rate as of October 13, 2026 is personal loans from 7.75% APR, according to rates verified by MonitorBankRates. 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 5.74%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.74%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Frontwave Credit Union
Oceanside

1278 Rocky Point Dr
Oceanside, CA 92056

https://www.frontwavecu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Frontwave Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Commercial Vehicle Loan	-	-	6.75%	up to 36 months
Details Rates as low as 6.75 APR*; Fixed-rate commercial vehicle loan with an 7.50% APR is based on your credit score, LTV of 80% or less, and loan amount between $5,000 and $350,000 with repayment terms of up to 36 months. All commercial vehicle loans require a clean title with Frontwave Credit Union as the verified lienholder, a Personal Guaranty and must pay a $150 origination fee. A monthly payment based on an 8.25% APR for 60 months is approximately Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.74%

Frontwave Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Business Line of Credit	7.75%
Details Rates as low as 7.75 APR*; An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee. An interest-only monthly payment based on a 10.00% APR is approximately Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.74%

Frontwave Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Commercial Equipment Loan	-	-	6.75%	up to 36 months
Details Rates as low as 6.75 APR*; Fixed-rate commercial equipment loan with an 7.50% APR is based on your credit score, LTV of 80% or less, and loan amount between $5,000 and $250,000 with repayment terms of up to 36 months. All commercial equipment loans will require a Uniform Commercial Code-1 (UCC-1) filing and/or a clean title with Frontwave Credit Union as the verified lienholder depending on collateral type, a Personal Guaranty and must pay a $150 origination fee. A monthly payment based on an 8.25% APR for 60 months is approximately Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Frontwave Credit Union’s Texas Ratio rose from 2.43% in Q3 2023 to 5.74% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.7B	5.74%	5.0	A+
March 31, 2026	$1.8B	2.11%	5.0	A+
December 31, 2025	$1.7B	3.75%	5.0	A+
September 30, 2025	$1.5B	2.32%	5.0	A+
June 30, 2025	$1.5B	2.45%	5.0	A+
March 31, 2025	$1.5B	2.30%	5.0	A+
December 31, 2024	$1.4B	2.66%	5.0	A+
September 30, 2024	$1.5B	3.85%	5.0	A+
June 30, 2024	$1.5B	2.87%	5.0	A+
March 31, 2024	$1.5B	2.45%	5.0	A+
December 31, 2023	$1.4B	3.83%	5.0	A+
September 30, 2023	$1.4B	2.43%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 302

Part-Time Employees 9

Branch Locations 18

ATM Locations 18

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.74%

Return on Assets (ROA)

0.4403%

Return on Equity (ROE)

4.8220%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

1,742,071,566

Total Amount of Shares and Deposits

1,418,088,959

Total Shares and Deposits < 1 Year

1,386,320,192

Total Shares and Deposits 1 3 Years

27,826,214

Total Shares and Deposits > 3 Years

3,942,551

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

139,203,672

Total Uninsured Shares and Deposits > $250K (F+J)

189,404,880

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,228,684,079

Total Interest Expense (Sum of items 6 8)

10,644,028

Share Certificates

9,698

Number of Accounts for Share Drafts

100,181

IRA KEOGH Accounts

1,592

Number of Accounts for Regular Shares

74,904

Non Member Deposits

Money Market Shares

2,528

Net Income (unless the amount is already included in Undivided Earnings)

7,670,937

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

90,864,175

Total Liabilities

1,596,935,960

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Frontwave Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/frontwave-credit-union-rates-review-68494">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Frontwave Credit Union

How 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.