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| type = [[Credit union]]
| type = [[Credit union]]
| foundation = 1952
| foundation = 1952
| location = [[Oceanside, California|Oceanside]], [[California]], [[United States]]
| location = [[Oceanside, California]], United States
| locations = [http://www.pmcu.com/webfederal.asp?Cabinet=MAIN&Drawer=Services&Folder=Branch+Locations&SubFolder=Locations 14 branch locations]
| locations = [https://www.frontwavecu.com/Resources/Help/Locations 13 branch locations]
| key_people = Bill Birnie, <small>President/[[CEO]]</small>
| key_people = Bill Birnie, <small>President/[[CEO]]</small>


⚫
'''Board of Directors'''<br>Richard B. Rothwell, <small>Director</small><br>Brian Sutton, <small>Chairman</small><br>Michael Brigagliano,<small>Director</small><br>Joseph Mitllieri, <small>Vice Chairman</small><br>Sally L. Arnett, <small>Director</small><br>Gary Greving, <small>Secretary</small><br>Kelley Mayer,<small>Treasuer</small><br>Gerald Polyascko,<small>Director</small><br>Amanda Cook,<small>Director</small>


⚫
'''Board of Directors'''<br>Brian Sutton, <small>Chairman</small><br>Joseph Mitllieri, <small>Vice Chairman</small><br>Gary Greving, <small>Secretary</small><br>Kelley Mayer, <small>Treasurer</small><br>Richard B. Rothwell, <small>Director</small><br>Michael Brigagliano, <small>Director</small><br>Sally L. Arnett, <small>Director</small><br>Gerald Polyascko, <small>Director</small><br>Amanda Cook, <small>Director</small>
| area_served = [[San Diego County, California|San Diego County]], [[Riverside County, California|Riverside County]], and [[San Bernardino County, California|San Bernardino County]]
| area_served = [[San Diego County, California|San Diego County]], [[Riverside County, California|Riverside County]], and [[San Bernardino County, California|San Bernardino County]]
| industry = [[Financial services]]
| industry = [[Financial services]]
| products = [[Savings account|Savings]]; [[Checking account|checking]]; [[Loan|consumer loans]]; [[mortgages]]; [[credit card]]s; [[online banking]]; [[car loan]]; [[home loan]], solar loans
| products = [[Savings account|Savings]]; [[Checking account|checking]]; [[Loan|consumer loans]]; [[mortgages]]; [[credit card]]s; [[online banking]]; [[car loan]]; [[home loan]], solar loans
| assets = $1.2 Billion [[United States dollar|USD]] (2021)
| assets = $1.2 Billion [[United States dollar|USD]] (2022)
| homepage = [http://www.frontwavecu.com www.frontwavecu.com]
| homepage = [http://www.frontwavecu.com www.frontwavecu.com]
}}
}}


'''Frontwave Credit Union''' is a not-for-profit [[credit union]] that is chartered and regulated under the authority of the [[National Credit Union Administration]] (NCUA) of the U.S. federal government.
'''Frontwave Credit Union''' is a not-for-profit [[credit union]] that is licensed and regulated under the authority of the [[California Department of Financial Protection and Innovation]].


Frontwave Credit Union is based in [[Southern California]] with branch locations in [[Oceanside, California|Oceanside]], [[San Marcos, California|San Marcos]], [[San Diego]], Escondido, Wildomar, [[Temecula, California|Temecula]], [[Barstow, California|Barstow]], and [[Yucca Valley, California|Yucca Valley]]. They also have branches aboard [[Marine Corps Base Camp Pendleton|MCB Camp Pendleton]], [[Marine Corps Recruit Depot San Diego|MCRD San Diego]], and [[Marine Corps Air Ground Combat Center Twentynine Palms|MCAGCC 29-Palms]].<ref>"Frontwave Credit Union Website- Locations"{{cite web |url=https://www.frontwavecu.com/Resources/Help/Locations |title=Archived copy |accessdate=2013-07-09 |url-status=dead |archiveurl=https://web.archive.org/web/20150402112256/https://www.pmcu.com/webfederal.asp?Cabinet=MAIN&Drawer=Services&Folder=Branch+Locations&SubFolder=Locations |archivedate=2015-04-02 |df= }}. Retrieved on 2013-07-09.</ref>
Frontwave Credit Union is based in [[Southern California]] with branch locations in [[Oceanside, California|Oceanside]], [[San Marcos, California|San Marcos]], [[San Diego]], [[Escondido, California|Escondido]], [[Wildomar, California|Wildomar]], [[Temecula, California|Temecula]], [[Barstow, California|Barstow]], and [[Yucca Valley, California|Yucca Valley]]. They also have branches aboard [[Marine Corps Base Camp Pendleton|MCB Camp Pendleton]], [[Marine Corps Recruit Depot San Diego|MCRD San Diego]], and [[Marine Corps Air Ground Combat Center Twentynine Palms|MCAGCC 29-Palms]].<ref>"Frontwave Credit Union Website- Locations"{{cite web |url=https://www.frontwavecu.com/Resources/Help/Locations |title=Archived copy |accessdate=2013-07-09 |url-status=dead |archiveurl=https://web.archive.org/web/20150402112256/https://www.pmcu.com/webfederal.asp?Cabinet=MAIN&Drawer=Services&Folder=Branch+Locations&SubFolder=Locations |archivedate=2015-04-02 }}. Retrieved on 2013-07-09.</ref>


Frontwave Credit Union, as of 2021, has more than 1.2 billion in assets and 117,000 members.<ref>[https://www.frontwavecu.com/FrontwaveCU/media/PDFs/Newsletters/dollars_sense_current.pdf "Frontwave Credit Union Website-Newsletter"]</ref>
Frontwave Credit Union, as of 2023, has more than $1.4 billion in assets and 122,000 members.<ref>[https://www.frontwavecu.com/Our-Mission/Our-Story/Financials"Frontwave Credit Union Website-Financials"]</ref>


==Membership==
==Membership==
Frontwave Credit Union is owned and governed by its members. Like all [[credit union]]s, they have a field of membership that designates who may join. To qualify for membership one must live, work, or worship in [[San Diego County, California|San Diego County]], [[Riverside County, California|Riverside County]], or [[San Bernardino County, California|San Bernardino County]], or be an immediate family member of a current Frontwave Credit Union member.<ref>"Frontwave Credit Union Website- Who Can Join"{{cite web |url=https://www.frontwavecu.com/?Cabinet=MAIN&Drawer=About+Us&Folder=Who+Can+Join&SubFolder=Who+Can+Join |title=Archived copy |accessdate=2013-07-09 |url-status=dead |archiveurl=https://archive.today/20130710025930/https://www.pmcu.com/?Cabinet=MAIN&Drawer=About+Us&Folder=Who+Can+Join&SubFolder=Who+Can+Join |archivedate=2013-07-10 |df= }}. Retrieved on 2013-07-09</ref> Also, per the [[National Credit Union Administration|NCUA's]] by law of "once a member, always a member" membership with Frontwave Credit Union may continue should the member decide to relocate.
Frontwave Credit Union is owned and governed by its members. Like all [[credit union]]s, they have a field of membership that designates who may join. To qualify for membership one must live or work in [[San Diego County, California|San Diego County]], [[Riverside County, California|Riverside County]], or [[San Bernardino County, California|San Bernardino County]], or be an immediate family member of a current Frontwave Credit Union member.<ref>"Frontwave Credit Union Website- Who Can Join"{{cite web |url=https://www.frontwavecu.com/?Cabinet=MAIN&Drawer=About+Us&Folder=Who+Can+Join&SubFolder=Who+Can+Join |title=Pacific Marine (Who Can Join/Who Can Join) |accessdate=2013-07-09 |url-status=dead |archiveurl=https://archive.today/20130710025930/https://www.pmcu.com/?Cabinet=MAIN&Drawer=About+Us&Folder=Who+Can+Join&SubFolder=Who+Can+Join |archivedate=2013-07-10 }}. Retrieved on 2013-07-09</ref> Also, per the [[National Credit Union Administration|NCUA's]] by law of "once a member, always a member" membership with Frontwave Credit Union may continue should the member decide to relocate.


==Services==
==Services==
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*In 1965 the credit union merged with Naval Ammunition Depot Federal Credit Union.
*In 1965 the credit union merged with Naval Ammunition Depot Federal Credit Union.
*In 1968 a merger took place with 29 Palms Credit Union.
*In 1968 a merger took place with 29 Palms Credit Union.
*In 1975 the name changed to Marine Corps West Federal Credit Union, and a new headquarters was constructed aboard [[Marine Corps Base Camp Pendleton|MCB Camp Pendleton]].
*In 1975 the name changed to Marine Corps West Federal Credit Union, and a new headquarters was constructed aboard MCB Camp Pendleton.
*In 1980 a merger with Marine Corps Recruit Depot occurred.
*In 1980 a merger with Marine Corps Recruit Depot occurred.
*In 1982 they merged with Barstow Community Federal Credit Union. They also added the U.S. National Training Center at Fort Irwin to their charter.
*In 1982 they merged with Barstow Community Federal Credit Union. They also added the U.S. National Training Center at Fort Irwin to their charter.
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*In 2002 the credit union changed from a Federally Chartered to a State Chartered (Community) credit union, which included the counties of [[San Diego County, California|San Diego]] and [[San Bernardino County, California|San Bernardino]]. This is also when the name was changed to Pacific Marine Credit Union (PMCU).
*In 2002 the credit union changed from a Federally Chartered to a State Chartered (Community) credit union, which included the counties of [[San Diego County, California|San Diego]] and [[San Bernardino County, California|San Bernardino]]. This is also when the name was changed to Pacific Marine Credit Union (PMCU).
*In 2004 [[Riverside County, California|Riverside County]] was added to the field of membership.
*In 2004 [[Riverside County, California|Riverside County]] was added to the field of membership.
*In 2010 the credit union moved their headquarters from [[Marine Corps Base Camp Pendleton|MCB Camp Pendleton]] to [[Oceanside, California|Oceanside]].
*In 2010 the credit union moved their headquarters from MCB Camp Pendleton to [[Oceanside, California|Oceanside]].
*In 2018 the credit union changed their name from Pacific Marine Credit Union to Frontwave Credit Union.
*In 2018 the credit union changed their name from Pacific Marine Credit Union to Frontwave Credit Union.


Latest revision as of 23:28, 17 October 2024

Frontwave Credit Union
Company typeCredit union
IndustryFinancial services
Founded1952
HeadquartersOceanside, California, United States
Number of locations
13 branch locations
Area served
San Diego County, Riverside County, and San Bernardino County
Key people
Bill Birnie, President/CEO


Board of Directors
Brian Sutton, Chairman
Joseph Mitllieri, Vice Chairman
Gary Greving, Secretary
Kelley Mayer, Treasurer
Richard B. Rothwell, Director
Michael Brigagliano, Director
Sally L. Arnett, Director
Gerald Polyascko, Director
Amanda Cook, Director
ProductsSavings; checking; consumer loans; mortgages; credit cards; online banking; car loan; home loan, solar loans
Total assets$1.2 Billion USD (2022)
Websitewww.frontwavecu.com

Frontwave Credit Union is a not-for-profit credit union that is licensed and regulated under the authority of the California Department of Financial Protection and Innovation.

Frontwave Credit Union is based in Southern California with branch locations in Oceanside, San Marcos, San Diego, Escondido, Wildomar, Temecula, Barstow, and Yucca Valley. They also have branches aboard MCB Camp Pendleton, MCRD San Diego, and MCAGCC 29-Palms.[1]

Frontwave Credit Union, as of 2023, has more than $1.4 billion in assets and 122,000 members.[2]

Membership

[edit]

Frontwave Credit Union is owned and governed by its members. Like all credit unions, they have a field of membership that designates who may join. To qualify for membership one must live or work in San Diego County, Riverside County, or San Bernardino County, or be an immediate family member of a current Frontwave Credit Union member.[3] Also, per the NCUA's by law of "once a member, always a member" membership with Frontwave Credit Union may continue should the member decide to relocate.

Services

[edit]

Like other financial institutions, Frontwave Credit Union offers products that include savings accounts, checking accounts, certificates, consumer loans, mortgages, home equities, lines of credit, credit cards, online banking, as well as some small business services. Frontwave Credit Union also offers investment services, an electronic trading platform, and insurance through Frontwave Financial Group.

As a financial cooperative, Frontwave Credit Union offers access to nearly 30,000 surcharge-free ATMs nationwide, 9,000+ of which are deposit taking.[4] In addition, there are nearly 5,000 credit union branches and over 2,000 self-service locations through the shared branching network.[5]

Frontwave Credit Union is a full-service financial institution that offers a wide array of products and services through their official website or by visiting any branch location.

History

[edit]
  • Founded in 1952, Frontwave Credit Union began aboard MCB Camp Pendleton and was originally chartered as Camp Pendleton Federal Credit Union. The initial charter was for membership of active and retired civil service employees.
  • In 1955 the charter was expanded to include active and retired military personnel.
  • In 1965 the credit union merged with Naval Ammunition Depot Federal Credit Union.
  • In 1968 a merger took place with 29 Palms Credit Union.
  • In 1975 the name changed to Marine Corps West Federal Credit Union, and a new headquarters was constructed aboard MCB Camp Pendleton.
  • In 1980 a merger with Marine Corps Recruit Depot occurred.
  • In 1982 they merged with Barstow Community Federal Credit Union. They also added the U.S. National Training Center at Fort Irwin to their charter.
  • In 1995 the credit union assumed administrative management of the Recruit Direct Deposit Program. The program was so successful that the credit union was awarded the "Golden Hammer Award" in 1997 by Vice President Al Gore for reducing government waste.[6]
  • In 2002 the credit union changed from a Federally Chartered to a State Chartered (Community) credit union, which included the counties of San Diego and San Bernardino. This is also when the name was changed to Pacific Marine Credit Union (PMCU).
  • In 2004 Riverside County was added to the field of membership.
  • In 2010 the credit union moved their headquarters from MCB Camp Pendleton to Oceanside.
  • In 2018 the credit union changed their name from Pacific Marine Credit Union to Frontwave Credit Union.

Notes

[edit]
  1. ^ "Frontwave Credit Union Website- Locations""Archived copy". Archived from the original on 2015-04-02. Retrieved 2013-07-09.{{cite web}}: CS1 maint: archived copy as title (link). Retrieved on 2013-07-09.
  2. ^ "Frontwave Credit Union Website-Financials"
  3. ^ "Frontwave Credit Union Website- Who Can Join""Pacific Marine (Who Can Join/Who Can Join)". Archived from the original on 2013-07-10. Retrieved 2013-07-09.. Retrieved on 2013-07-09
  4. ^ "CO-OP Network Website- About CO-OP" [1] Retrieved on 2013-07-09
  5. ^ "CO-OP Network Website- About CO-OP" [2] Retrieved on 2013-07-09
  6. ^ "Pacific Marine Credit Union Battles Ups and Downs of Military Membership that is Tied Closely to War in Iraq" CUTimes [3]
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