Frontwave Credit Union

Oceanside, California
Last verified: August 14, 2026
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Verified rate book

Current Frontwave Credit Union rates

66 published offers verified as of August 14, 2026.

How we verify rates

Mortgage rates

4 offers
Frontwave Credit Union mortgage rates as of August 14, 2026
ProductPublishedRateTerm / conditionStatus
VA 30-Year Fixed30 year fixed5.975% APR5.750%—Standard
Jumbo 30-Year Fixed30 year fixed6.017% APR6.000%—Standard
5/5 ARM5 5 arm6.511% APR5.500%—Standard
30 Year No Down Paymentother6.792% APR6.750%—Standard

Auto & vehicle rates

6 offers
Frontwave Credit Union auto & vehicle rates as of August 14, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.490% APR4.490%—Standard
Effective Date: April 27, 2026 (Up to 48 months)auto_any_48mo6.740% APR6.740%48 moStandard
Effective Date: April 27, 2026 (Up to 60 months)auto_any_60mo6.990% APR6.990%60 moStandard
Effective Date: April 27, 2026 (Up to 72 months)auto_any_72mo7.240% APR7.240%72 moStandard
Effective Date: April 27, 2026 (2024 or Newer)auto7.990% APR7.990%—Standard
Effective Date: April 27, 2026 (2017 – 2023)auto8.490% APR8.490%—Standard

Personal loan rates

2 offers
Frontwave Credit Union personal loan rates as of August 14, 2026
ProductPublishedRateTerm / conditionStatus
Effective Date: April 27, 2026 (Line of Credit (overdraft protection))ploc_variable10.000% APR10.000%—Standard
Effective Date: April 27, 2026 (Ready Cash 2 - Line of Credit up to $500)ploc_variable18.000% APR18.000%—Standard

Credit card rates

4 offers
Frontwave Credit Union credit card rates as of August 14, 2026
ProductPublishedRateTerm / conditionStatus
Effective Date: April 27, 2026 (Visa Platinum)credit_card_platinum9.500% APR9.500%—Standard
Effective Date: April 27, 2026 (Visa Classic)credit_card14.000% APR14.000%—Standard
Effective Date: April 27, 2026 (Share Secured Visa 2)credit_card_secured14.900% APR14.900%—Standard
Effective Date: April 27, 2026 (Visa Signature Rewards 3)credit_card_rewards16.490% APR16.490%—Standard

Savings & CD rates

37 offers
Frontwave Credit Union savings & cd rates as of August 14, 2026
ProductPublishedRateTerm / conditionStatus
Effective Date: May 1, 2026 ($50.00)savings0.05% APY0.05%—Standard
Effective Date: June 1, 2026savings0.10% APY0.10%—Standard
Effective Date: June 1, 2026 ($0 to $9,999)savings0.10% APY0.10%—Standard
Effective Date: June 1, 2026 ($10,000 to $24,999)savings0.20% APY0.20%—Standard
Effective Date: June 1, 2026 ($0 to $99,999)savings0.25% APY0.25%—Standard
Earn Dividends on Your Balancesavings0.25% APY0.25%—Standard
Effective Date: June 1, 2026 ($25,000 to $49,999)savings0.50% APY0.50%—Standard
$25,000 To $49,999savings0.50% APY0.50%—Standard
Effective Date: June 1, 2026 (6-Month)cd_6mo0.55% APY0.55%6 moStandard
Effective Date: June 1, 2026 ($50,000 to $99,999)savings0.75% APY0.75%—Standard
$50,000 To $99,999savings0.75% APY0.75%—Standard
6-Month Certificatecd_6mo0.80% APY0.80%6 moStandard
Effective Date: June 1, 2026 (2-Year)cd_24mo0.85% APY0.85%24 moStandard
Effective Date: June 1, 2026 (3-Year)cd_36mo0.95% APY0.95%36 moStandard
Effective Date: June 1, 2026 ($100,000+)savings1.24% APY1.24%—Standard
$100,000+savings1.25% APY1.25%—Standard
Effective Date: June 1, 2026 ($100,000 to $249,999)savings1.49% APY1.49%—Standard
$100,000 To $249,999savings1.50% APY1.49%—Standard
Effective Date: June 1, 2026 ($250,000 to $499,999)savings1.98% APY1.98%—Standard
$250,000 To $499,999savings2.00% APY1.98%—Standard
Effective Date: August 3, 2026 (4-Year)cd_48mo2.08% APY2.08%48 moStandard
Effective Date: August 3, 2026 (5-Year)cd_60mo2.08% APY2.08%60 moStandard
Effective Date: August 3, 2026 (3-Year)cd_36mo2.08% APY2.08%36 moStandard
Effective Date: June 1, 2026 ($500,000 to $999,999)savings2.47% APY2.47%—Standard
Effective Date: June 1, 2026 (1-Year)cd_12mo2.47% APY2.47%12 moStandard
Freedom Fund for Kidssavings2.50% APY2.50%—Eligibility restricted
12-Month Certificatecd_12mo2.50% APY2.47%12 moStandard
$500,000 To $999,999savings2.50% APY2.47%—Standard
Effective Date: June 1, 2026 ($1,000,000 and above)savings2.96% APY2.96%—Standard
$1,000,000 And Abovesavings3.00% APY2.96%—Standard
Effective Date: August 3, 2026 (6-Month)cd_6mo3.06% APY3.06%6 moStandard
Effective Date: August 3, 2026 (18-Month)cd_18mo3.44% APY3.44%18 moStandard
Effective Date: August 3, 2026 (2-Year)cd_24mo3.54% APY3.54%24 moStandard
18-Month Certificatecd_18mo3.65% APY3.65%18 moStandard
24-Month Certificatecd_24mo3.75% APY3.75%24 moStandard
Effective Date: August 3, 2026 (12-Month)cd_12mo3.78% APY3.78%12 moStandard
12-Month Certificatecd_12mo4.00% APY4.00%12 moStandard

Other rates

13 offers
Frontwave Credit Union other rates as of August 14, 2026
ProductPublishedRateTerm / conditionStatus
Effective Date: June 29, 2026 (Up to 36 months)other4.490% %4.490%—Standard
Effective Date: June 29, 2026 (37 to 48 months)other4.740% %4.740%—Standard
Effective Date: June 29, 2026 (49 to 66 months)other4.990% %4.990%—Standard
Effective Date: June 29, 2026 (67 to 78 months)other5.240% %5.240%—Standard
Effective Date: June 29, 2026 (79 to 84 months 2)other5.990% %5.990%—Standard
Effective Date: June 29, 2026 (85 to 96 months 3)other7.240% %7.240%—Standard
Effective Date: April 27, 2026 (96 months)other7.490% %7.490%—Standard
Effective Date: April 27, 2026 (120 months)other8.490% %8.490%—Standard
Effective Date: April 27, 2026 (180 months)other8.990% %8.990%—Standard
Effective Date: April 27, 2026 (Up to 36 months)other8.990% %8.990%—Standard
Effective Date: April 27, 2026other8.990% %8.990%—Standard
Effective Date: April 27, 2026 (240 months)other9.240% %9.240%—Standard
Effective Date: April 27, 2026 (37 to 60 months)other13.990% %13.990%—Standard

As of August 14, 2026, Frontwave Credit Union offers a 30-year fixed mortgage at 5.975% APR. Auto loans available from 4.49% APR. Personal loan rates from 10% APR. Credit card rates from 9.5% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Frontwave Credit Union's official website

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About Frontwave Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
127.9K
Assets
$1.8B
Founded
1952
Locations reported
18
NCUA charter
68494
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Navy Federal Credit UnionRancho del Oro-Oceanside CA · Oceanside · CA · 92056-6001About 1.1 miles awayCalifornia CoastOceanside · Oceanside · CA · 92056About 1.5 miles awaySchoolsfirst46 - Oceanside · Oceanside · CA · 92056About 1.5 miles awayMissionOceanside HWY 78 · Oceanside · CA · 92054-6372About 2.0 miles awayMypointCarlsbad Branch · Carlsbad · CA · 92008-1214About 2.2 miles awayCaliforniaEscondido · Escondido · CA · 92029About 13.2 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Frontwave Credit Union

Membership eligibility from Frontwave Credit Union's own published criteria. How we verify this.

Membership criteria are published on Frontwave Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationSan Diego, Riverside, Imperial, San Bernardino

Verified from Frontwave Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Frontwave Credit Union?

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Frequently Asked Questions

What rates does Frontwave Credit Union offer?

Frontwave Credit Union currently offers mortgage, Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified August 14, 2026 directly from the credit union's official website.

How often are Frontwave Credit Union rates updated?

RateAPI verifies Frontwave Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 14, 2026.

Where does RateAPI get Frontwave Credit Union's rate data?

Rate data is collected directly from Frontwave Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Frontwave Credit Union's mortgage rate?

As of August 14, 2026, Frontwave Credit Union offers a 30-year fixed mortgage at 5.975% APR.

What are Frontwave Credit Union's auto loan rates?

As of August 14, 2026, Frontwave Credit Union offers auto loans from 4.49% APR.

What is Frontwave Credit Union's personal loan rate?

As of August 14, 2026, Frontwave Credit Union offers personal loans from 10% APR.

What is Frontwave Credit Union's best CD rate?

As of August 14, 2026, Frontwave Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Frontwave Credit Union's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Frontwave Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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