Credit union · NCUA insured
Frontwave Credit Union CD Rates
Frontwave Credit Union’s best CD rate is 4.15% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Frontwave Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where Frontwave Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Frontwave Credit Union
4.15%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $847
Share Certificates
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
Frontwave Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Frontwave Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.15%APY · 7 terms
Must be a member or qualify for membership to open a certificate. Early withdrawal subject to penalty. Automatically renews upon maturity at the current rate and term closest to standard terms unless other options selected. 7-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit/balance of $1,000 required | 3.25% | $161 |
| 12 monthsMinimum opening deposit/balance of $1,000 required | 3.80% | $380 |
| 18 monthsMinimum opening deposit/balance of $1,000 required | 3.90% | $591 |
| 24 monthsMinimum opening deposit/balance of $1,000 required | 4.15% | $847 |
| 36 monthsMinimum opening deposit/balance of $1,000 required | 2.25% | $690 |
| 48 monthsMinimum opening deposit/balance of $1,000 required | 2.25% | $931 |
| 60 monthsMinimum opening deposit/balance of $1,000 required | 2.25% | $1,177 |
Military Savers Certificates
Up to 1.20%APY · 4 terms
Exclusive higher rate for eligible active-duty, reservists, retired military, or veteran Members and their spouses. Eligibility must be verified with valid military or veteran identification at account opening. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends. Monthly automatic deposits between $10 and $1,000 required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000 | 0.80% | $40 |
| 12 monthsAvailable only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000 | 1.00% | $100 |
| 24 monthsAvailable only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000 | 1.10% | $221 |
| 36 monthsAvailable only to eligible active-duty, reservists, retired military, or veteran Members and their spouses. Opening deposit $100-$1,000; automatic monthly deposits $10-$1,000 | 1.20% | $364 |
Sources (2)
- frontwavecu.com/personal/bank/…share-savers-certificate
- frontwavecu.com/resources/info…tion/rates/deposit-rates
All captured Sep 25, 2026
Savers Certificates
Up to 0.95%APY · 4 terms
Must be a Member or qualify for membership to open a certificate. Opening deposit $100 minimum, $1,000 maximum. Minimum daily balance of $100 required to earn dividends and APY. Monthly automatic deposits between $10 and $1,000 must be the same amount each month for full term. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends | 0.55% | $27 |
| 12 monthsOpening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends | 0.75% | $75 |
| 24 monthsOpening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends | 0.85% | $171 |
| 36 monthsOpening deposit between $100 and $1,000; automatic monthly deposit of $10 to $1,000 required. Minimum daily balance of $100 required to earn dividends | 0.95% | $288 |
Sources (2)
- frontwavecu.com/personal/bank/…share-savers-certificate
- frontwavecu.com/resources/info…tion/rates/deposit-rates
All captured Sep 25, 2026
Special-purpose accounts
IRA & Roth IRA Share Certificates
Up to 4.00%APY · 7 terms
Must be a member or qualify for membership to open a certificate. IRA and Roth IRA share certificates are subject to IRS rules, contribution limits, and potential tax penalties. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit/balance of $1,000 required | 3.10% | $154 |
| 12 monthsMinimum opening deposit/balance of $1,000 required | 3.65% | $365 |
| 18 monthsMinimum opening deposit/balance of $1,000 required | 3.75% | $568 |
| 24 monthsMinimum opening deposit/balance of $1,000 required | 4.00% | $816 |
| 36 monthsMinimum opening deposit/balance of $1,000 required | 2.10% | $643 |
| 48 monthsMinimum opening deposit/balance of $1,000 required | 2.10% | $867 |
| 60 monthsMinimum opening deposit/balance of $1,000 required | 2.10% | $1,095 |
Sources (2)
- frontwavecu.com/personal/bank/…retirement-accounts-iras
- frontwavecu.com/resources/info…tion/rates/deposit-rates
All captured Sep 25, 2026
Who can join Frontwave Credit Union
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