Frontwave Briefing | Fourth Quarter 2019

Frontwave Briefing | Fourth Quarter 2019

Briefing Frontwave Credit Union Member Newsletter | Fourth Quarter 2019

Real value. For real living. Keep your car. Trade in your loan. Hey, it happens. You pick out a new car, truck or pickup. You’re totally stoked to get behind the wheel, so you sign any old paper the dealer puts in front of you. Halfway home (or maybe months later), you realize that you maybe didn’t get the best financing terms. Good news! Frontwave Credit Union can offer you a do-over. We make it easy to refinance your vehicle with a loan that better fits your financial needs. Refinance before December 31, 2019 and we’ll give you $250!*

Who knew plastic could be so powerful? So you think credit cards are only good for buying stuff? Think again, my friend. Some cards save you tons of money with extra low interest rates. Some earn you cash back, travel deals and other exciting rewards. Some can help take your credit rating to another level. Impressed? Good. Then use all this intel to study Frontwave Credit Union’s Visa® offerings, and pick the card that gets you where you want to go. Now, for a limited time, enjoy 0% intro APR* for 12 months on balance transfers to your Frontwave Credit Card!* *APR = Annual Percentage Rate. Intro APR is 0% for 12 months on balance transfers. Offer valid up to $10,000 or credit limit, whichever is less. Offer valid June 1, 2019 through December 31, 2019. Other restrictions may apply. Offer subject to change without notice.

*$250 Refinance Offer. Existing Frontwave loans are not eligible for this offer. You must make your first scheduled payment in order to receive this offer. $250 will be credited to the primary applicant’s account between 91 and 95 days of the loan origination date. If the auto loan is canceled or paid off in the first 90 days, or the account is closed, the $250 offer will become invalid. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.

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Briefing frontwavecu.com

Fourth Quarter 2019

Start saving on your insurance today. Frontwave Insurance Services, LLC is a one-stop shop for all of your insurance needs. Call today for a free, no obligation insurance quote and let us find you the best insurance for you at the best price. • Auto & Motorcycle Insurance • Home & Renters Insurance • Term Life Insurance • Identity Theft Insurance • And More! held March 25, 2020 at 5:00 p.m. at Frontwave’s Corporate office; 1278 Rocky Point Drive, Oceanside, CA 92056 Annual Meeting The Annual Meeting and election of officers for the Board of Directors (Board) and Supervisory Committee (Committee) of Frontwave Credit Union will be Transformative! Yup! That’s us. We’re the Dream Makers at Frontwave Credit Union and we’re absolutely passionate and committed to bring value to your financial lives! everything we do. We bring value to your financial lives. In addition to great loan rates and low fees, we are passionate about financial education. We host terrific financial educational sessions at both our Rancho del Oro and Wildomar branch locations. Make sure to check out our website for up-to-date information on our upcoming Preventing Card Fraud, Wills and Trusts, and Home Buying workshops this quarter.

working! The other night I was at a charity event and got to talking with a young lady about the great work the charity was doing. At some point she asked me where I work. When I told her I was with Frontwave Credit Union, she literally burst out with, “OMG! You guys are everywhere!” We are transforming our branch network. The remodel of our Fire Mountain branch is complete and the branch is open! Come check it out! It is beautiful and reflects our commitment to serve our Members with authentic, personalized service! The remodel of our Winchester branch in Temecula is underway and we anticipate it will re-open in December. Winchester will be our fifth branch employing our new branch model that we are very excited about. We’ve transformed our real estate lending. We now offer VA Loans and have a First-Time Home Buyer Program! We are very proud to be funding 1st Trust Deed Loans in less than 30 days! We have transformed our commitment to our communities. For example… I served as Chairman of the Rady Childrens Dream Big 5K Walk in May and we helped raise over $340,000 for this amazing hospital. Our contributions to the Marine bases we serve saved several Marine Corps Community Services programs in support of our magnificent military members and their families. Our title sponsorship of the Oceanside Turkey Trot – to be held on Thanksgiving morning – helps raise funds for over 90 local charities and causes. We’ll see you there!! We have transformed our commitment to you. Our Mission says it all: “We make financial dreams come true.” It is our purpose, our “Why”. It guides

Bill Birnie, President/CEO Transformative, according to Webster, is defined as “causing or able to cause an important and lasting change in some one or some thing.” I can’t believe that it’s been nearly a year since we changed our name! I don’t know about you, but anniversaries make me a little reflective, and when I look back on the past few years – one word comes to mind: Transformative. As you well know, we’ve embarked on numerous >Page 1 Page 2 Page 3 Page 4

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