Every October, International Credit Union Day reminds us why credit unions exist — and why they continue to make a difference in people’s lives around the world. It’s a celebration of a movement built on one simple but powerful belief: people helping people.

That spirit drives everything we do. Unlike banks, which are built to generate profit for shareholders, credit unions like Frontwave are not-for-profit cooperatives owned by their Members. That difference shapes how we operate, how we make decisions, and ultimately, how we show up for the people and communities we serve.

Where you bank matters

When you open an account at a credit union, you’re not just another customer — you’re a Member and an owner. Every Member has an equal voice and vote in how the credit union is run. Decisions are made locally, by people who live and work in the same communities you do, and profits are reinvested to benefit Members directly through better rates, lower fees, and personalized service.

Banks focus on shareholder value. Credit unions focus on Member value. That’s a big difference.

Built for people, not profits

Credit unions return earnings to their Members in meaningful ways — lower loan rates, higher savings returns, and community programs that make a real impact. We also prioritize financial education and fraud prevention, helping Members stay informed and confident about their money.

And while Frontwave may be local, our reach is nationwide. Through the CO-OP network, Members have access to more than 30,000 surcharge-free ATMs and 5,000 shared branches across the country — often more access points than the biggest banks.

Community at the core

Banks follow the money. Credit unions follow the mission. When large banks close branches, credit unions often step in to keep access open. Many, like Frontwave, serve military families, public servants, and community members who might otherwise be overlooked.

When you bank with a credit union, your deposits stay local — funding loans for neighbors, supporting local businesses, and fueling community growth. It’s a ripple effect that makes everyone stronger.

Flexibility when it counts

Because credit unions are built to serve Members, not meet quarterly earnings goals, we can adapt faster to changing needs. From loan extensions during tough times to creative credit-building solutions, we’re here to find a way forward — not a reason to say no.

That’s what it means to bank with people who have your back.

Get $350 and bank where people come first

Carrying forward the spirit of International Credit Union Day — people helping people — new Members can get $350* just for making the switch to Frontwave. Here’s how:

• Open a checking and savings account

• Enroll in eStatements

• Set up $1,000 in qualifying direct deposits within 90 days

No gimmicks. No hidden strings. Just $350 to help you move forward with a credit union that shares TrueCare’s belief that stronger communities start with caring for people.

About Frontwave Credit Union

Frontwave Credit Union is the trusted financial partner of TrueCare, offering smarter banking, real savings, and personalized support. Employees and patients enjoy no-fee checking, exclusive member perks, and access to 5,000+ shared branches and 30,000+ fee-free ATMs nationwide. With 1-on-1 coaching and 24/7 mobile banking, managing your money has never been easier. *Membership and promotional requirements apply. See frontwavecu.com/new-member for details.