Frontwave Credit Union Oceanside CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Frontwave, your trusted financial partner located at 2454 Vista Way, Oceanside, CA 92054. Established in 1952, we have proudly served our community for over seven decades, building a reputation for reliability and commitment to our members. With a strong membership base of 128,122 individuals and total assets reaching an impressive $1,486,697,631, we are dedicated to providing you with personalized banking solutions that meet your unique needs. At Frontwave, we understand the importance of financial security and growth. Our total deposits amount to $77,578,750, reflecting the trust our members place in us. We are here to support you with various services, including personal banking, auto loans, mortgage financing, and business banking options. With 253 employees on our team, we're ready to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to 1278 Rocky Point Dr, Oceanside, CA 92056. Whether you're looking for expert advice or simply want to explore your options, feel free to reach out at 800-736-4500 or visit us online at http://www.frontwavecu.com. Our leadership team is led by CEO William Birnie and Board President Brian Sutton, who embody our mission of fostering financial well-being within our community. We take pride in not just being a credit union but also a part of your journey towards achieving your financial goals. Join us at Frontwave and experience the difference of a member-focused financial institution. We look forward to serving you!

Branch History & Mission

Welcome to Frontwave, a credit union deeply rooted in the community of Oceanside, CA. Since opening our doors in 1952, we have grown from a small group of members into a trusted financial institution serving over 128,000 members today. Our journey has been marked by dedication to providing exceptional financial services while making a positive impact in our local area. Located at 2454 Vista Way, Oceanside, CA 92054, Frontwave is easily accessible for all your banking needs. Just a stone's throw away from the scenic Pacific Ocean and vibrant local attractions, our branch stands as a beacon of support for individuals and families looking to build their financial futures. While members can visit us at this address for personal service, official correspondence should be sent to our mailing address at 1278 Rocky Point Dr, Oceanside, CA 92056. At Frontwave, we believe that banking should be about more than just transactions; it should be about relationships. Our mission is clear: to enhance the financial well-being of our members and empower them to achieve their dreams. We offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. We also provide easy access through online and mobile banking options so you can manage your finances conveniently from anywhere. Over the years, Frontwave has achieved significant milestones that reflect our commitment to growth and excellence. Today, we proudly hold total assets exceeding $1.4 billion. Our success is driven by our member-focused approach and innovative solutions designed to meet the diverse needs of our community. We are also dedicated to giving back through partnerships and outreach efforts that support local initiatives. Whether it's participating in community events or supporting local charities, we strive to make a meaningful difference in Oceanside. Our branch operates with flexibility in mind: we're open Monday through Thursday from 9:00 am to 5:00 pm, Friday until 6:00 pm, and Saturday until 4:00 pm. You can also take advantage of our ATM availability for quick cash withdrawals and balance checks. Join us at Frontwave and discover how we can help you navigate your financial journey with confidence. Experience the benefits of being part of a supportive community-focused credit union where your goals are our priority. For any inquiries or assistance, feel free to reach out at 800-736-4500 we're here for you!

Branch Location & Accessibility

Accessibility Features

At Frontwave, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps and wide doorways to ensure a comfortable visit. Parking is readily available, making it easy for you to drop by for your banking transactions.

Call to Action

Ready to experience friendly service and community-focused banking? We invite you to stop by Frontwave at 2454 Vista Way or give us a call at 800-736-4500. Our team looks forward to welcoming you!

Operating Hours

We understand that life can get busy! That's why we offer flexible hours to fit your schedule. Visit us Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 4:00 PM. We're here when you need us!

Services Offered

Frontwave offers a variety of services designed with you in mind. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of online and mobile banking right at your fingertips. We also provide ATM access for quick withdrawals and balance checks. For those who are members of partner credit unions, we offer basic shared branch transactions as well.

Member Eligibility

Becoming a member of Frontwave is like joining a close-knit community that truly cares about your financial well-being. If you're in the Oceanside area and looking for a supportive place to manage your finances, you may be eligible! At Frontwave, we welcome individuals who live, work, or worship in our local communities. This means whether you're a student, a working professional, or someone enjoying retirement, there's a good chance you can join us. The benefits of membership are plentiful, including access to competitive rates on loans and savings accounts, as well as personalized service tailored just for you. Ready to get started? Opening an account at Frontwave is simple and straightforward. Just give us a call at (800) 736-4500 or visit us at our branch located at 2454 Vista Way Oceanside Ca 92054 for more details. You can also check out our eligibility criteria online for the most updated information by visiting . We look forward to welcoming you into our community!

Business Banking & Commercial Services

Commercial Loans Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $52 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments quickly and securely from customers whether they're shopping online or in-store. Our services are designed to enhance customer experiences while streamlining your operations. Located at 2454 Vista Way Oceanside Ca 92054, Oceanside, CA, we invite you to explore how our tailored solutions can make a meaningful impact on your business. Contact us today at (800) 736-4500 to learn more!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer tailored business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide the resources necessary for success.

Credit Options

Looking for a credit card? Our credit cards with rewards are designed with your spending habits in mind, offering benefits that fit seamlessly into your lifestyle.

Digital Banking Convenience

At Frontwave, we prioritize convenience. With our comprehensive online and mobile banking features, managing your finances has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Need cash? Our ATM services provide easy access to withdrawals and balance checks whenever you need them. Plus, if you're a member of another credit union, take advantage of our shared branch transactions to make deposits or withdrawals without any hassle.

Get Started Today!

Our friendly staff is here to assist you every step of the way. If you have any questions or would like more information about any of our services, don't hesitate to reach out! Give us a call at (800) 736-4500, or stop by our branch during operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 4 PM. Join us at Frontwave where we're committed to helping you achieve your financial goals! Visit us online at http://www.frontwavecu.com for more details on all our offerings.

Personal Banking Solutions

When it comes to personal finance, we offer a variety of options. Our checking and savings accounts are tailored for convenience, helping you manage your daily expenses while also saving for the future. Whether you're just starting out or looking to grow your wealth, we have an account that fits your lifestyle. If you're considering purchasing a vehicle, our auto loans and vehicle financing make it easy for you to drive off in the car of your dreams. We know how important reliable transportation is, and our competitive rates ensure you get the best deal possible. For homeowners, we provide mortgage loans and refinancing options that can help you secure your dream home or reduce your current mortgage payments. Our team will guide you through each step of the process, ensuring you have the support needed to make informed decisions. We also recognize that life can throw unexpected challenges your way. That's why our personal loans and debt consolidation services can help ease financial stress by allowing you to manage multiple debts more effectively.

Digital & Online Banking

At Frontwave, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our tools give you access to your accounts anytime, anywhere. One of the standout features of our online banking service is the ability to manage your accounts 24/7 at http://www.frontwavecu.com. You can check balances, transfer funds, and pay bills with just a few clicks. And with our e-statements feature, going paperless has never been easier. Enjoy quick access to your account statements without cluttering up your mailbox. For those who prefer mobile banking, our user-friendly mobile application puts all these services right in the palm of your hand. You can also make payments quickly using mobile payments just tap and go! Plus, sending money to friends or family is simple with our person-to-person transfer feature; it's a fast way to split bills or send gifts. Security is always a top priority for us. Our electronic signature authorization allows you to sign documents safely online, making transactions smooth and hassle-free. You can rest assured that your financial information is protected while you enjoy the convenience of digital banking. With so many features designed for accessibility and ease-of-use, managing your finances has never been more straightforward. Experience the freedom that comes with real-time account management at Frontwave!

Financial Strength

Commitment to Growth

With $138,693,399 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8,806 in used auto loans and $954,118,054 in total loans and leases.

Member Trust

Total Share and Deposit Accounts stand at 193,394, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $0, further highlighting our capacity to support our members' needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Frontwave is your trusted partner. Visit us at 2454 Vista Way Oceanside Ca 92054 or call (800) 736-4500 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 241 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $317,458,674 in share certificates and $125,408,388 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $139,666,457, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $939 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $143,707,955 in used vehicle loans and $104,000,818 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, we have options that can fit your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $60,100,944 in these loans helping members manage their finances effectively, you can enjoy the convenience of having funds available when you need them while earning rewards along the way.

Credit Lines

For those looking for additional financial flexibility, we provide credit lines totaling $557,355,036. This option allows you to access funds as needed without applying for a new loan each time. At Frontwave, we are committed to making the borrowing process as straightforward as possible. If you're considering refinancing or want more information about eligibility for any of our loan products, please don't hesitate to reach out. For more details or to speak with one of our representatives about how we can assist you further with any of our loan offerings or other services like personal banking and online banking options, call us at 800-736-4500. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Frontwave help you take the next step towards financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $70,723,340, making it easier for you to settle into your dream home or improve your current living situation.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions about their borrowing options. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of using LendMesh as a comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. By focusing on verified data, LendMesh builds trust and reliability in its comparisons.

Frontwave