FRONTWAVE CREDIT UNION

Welcome to Frontwave, your trusted financial partner in San Marcos, California! Located at 670 W San Marcos Blvd Ste 101, San Marcos, CA 92078, we have proudly served our community since 1952. With over 128,000 members and a commitment to providing exceptional service, we are dedicated to helping you achieve your financial goals. At Frontwave, we understand that each member's needs are unique. That's why we offer a wide range of services, including personal banking accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking options. Our total assets of over $1.48 billion and total deposits exceeding $77.5 million showcase our stability and ability to support our members effectively. While you can visit us at our branch for face-to-face assistance, official correspondence should be sent to our mailing address at 1278 Rocky Point Dr, Oceanside, CA 92056. Our team is led by the experienced CEO William Birnie and Board President Brian Sutton, both of whom are committed to enhancing your banking experience. With a strong workforce of 253 employees, we ensure that help is always available when you need it. Whether you're looking for guidance on loans or simply want to discuss your financial plans, don't hesitate to reach out! You can contact us at 800-736-4500 during our convenient operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 4:00 PM. Join us today and discover how Frontwave can help you navigate your financial journey with confidence! For more information about our services and offerings, please visit our website at Frontwave. We're here for you every step of the way!

Welcome to Frontwave, your friendly credit union located conveniently at 670 W San Marcos Blvd Ste 101, San Marcos, CA 92078. Nestled in the heart of San Marcos, we're just a stone's throw away from popular local spots like the San Marcos Premium Outlets and the picturesque Lake San Marcos. Our prime location makes it easy for you to stop by and take care of your banking needs. At Frontwave, we prioritize accessibility for all our members. The branch features ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. Parking is readily available, making your trip even more convenient. While our branch address is perfect for in-person visits, please note that any official correspondence should be directed to our mailing address: 1278 Rocky Point Dr, Oceanside, CA 92056. We're here to serve you during our welcoming hours: Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to 4:00 pm. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our knowledgeable staff is ready to help. Although we don't have drive-thru services at this location, we do offer an ATM for quick cash withdrawals and balance checks. Plus, we participate in shared service centers, allowing you to access basic transactions at partner credit unions nearby. Have questions or need assistance? Don't hesitate to give us a call at 800-736-4500. We look forward to welcoming you to Frontwave!

Becoming a member of Frontwave feels like joining a warm and welcoming family dedicated to your financial well-being. To qualify for membership, you simply need to live, work, worship, or go to school in the vibrant communities we serve in San Diego County. This means if you're part of this area, you're already on your way to enjoying all the benefits we offer! As a member, you'll gain access to a range of financial products designed with your needs in mind, from savings accounts that help you grow your money to loans that can make your dreams a reality. Ready to take the next step? Opening an account is easy! Just visit us at 670 W San Marcos Blvd Ste 101 San Marcos Ca 92078, or give us a call at (800) 736-4500 if you have any questions. For more detailed eligibility criteria and information on how to get started, check out our website at . We can't wait to welcome you into our community!

At Frontwave, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built through transparency and consistent performance, which is why we want to share our financial strength with you. With a net worth of $139,666,457, we maintain strong 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. 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. 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 commitment to lending is evident with $8,806 in used auto loans and $954,118,054 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $0, 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. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 193,394, showing a strong and growing member base that trusts us with their finances. 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 670 W San Marcos Blvd Ste 101 San Marcos Ca 92078 or call (800) 736-4500 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

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