Credit union · NCUA insured
Frontwave Credit Union
A $1.8B credit union, the 288th largest of 4,329, headquartered in Oceanside, CA, with 127,939 members and 13 branches in California. Best rates: CDs 4.15% and savings 0.25% APY.
Frontwave Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#13 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Frontwave Credit Union
- Headquarters
- 1278 Rocky Point Dr, Oceanside, CA 92056
- NCUA charter
- 68494
Branches
13 branches in California
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California
13 branches
San Diego area · 8
- OceansideMain office1278 Rocky Point Dr, Oceanside, CA 92056Directions
- Camp PendletonMCX Complex, Building CU - 1105, Camp Pendleton, CA 92055Directions
- Camp Pendleton - Pacific Plaza20845 Vandegrift Blvd., Unit B-1, Camp Pendleton, CA 92055Directions
- Camp Pendleton - SOI520409 Basilone Road, Soi, Camp Pendleton, CA 92055Directions
- Escondido - 0241645 S Centre City Pkwy Ste B, Escondido, CA 92025Directions
- Fire Mountain 0082454 Vista Way, Oceanside, CA 92054Directions
- San Diego 0052118 Hochmuth Ave Bldg 2, San Diego, CA 92140Directions
- San Marcos 010670 W San Marcos Blvd Ste 101, San Marcos, CA 92078Directions
Riverside area · 5
- Barstow 009995 Armory Rd, Barstow, CA 92311Directions
- Temecula 01140325 Winchester Rd, Temecula, CA 92591Directions
- Twentynine Palms 002Bldg. 1515, MCAGCC, Twentynine Palms, CA 92278Directions
- Wildomar 02336290 Hidden Springs Rd, Suite A and B Wildomar Square, Wildomar, CA 92595Directions
- Yucca 00757402 29 Palms Hwy Ste 6, Yucca Valley, CA 92284Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.13% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.81% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.89% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalNet worth ratio9.13%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.81%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.89%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$86Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Frontwave Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.