70+ years of financial stability.

BREAKING NEWS….
Increased FDIC insurance coverage now permanent!

Under the new Dodd-Frank Wall Street Reform and Consumer Protection Act just signed into law, FDIC insurance coverage, of which NCUA is a part, has been permanently raised to $250,000. The standard maximum insurance amount of $100,000 had been temporarily raised to $250,000 until December 31, 2013. The insurance coverage limit applies per depositor, per insured depository institution for each account ownership category.

Wave. And check out our super sizzling summer specials!
Take advantage of these great offers while they’re hot. It’s easy to qualify and you’ll have an answer in practically no time. Don’t wait. Fall is just around the corner!

New/Used Car Loans
as low as:
2.99% APR*
Up to 48-months
100% Financing

Adjustable Rate Home Equity Lines*+
as low as 1.99% APR first 6-month
5-years…no points, closing costs/annual fees

Fixed-Rate Home Equity Loans*+
as low as 4.75% APR
5-years…no points, closing costs/annual fees

*Requires automatic payment from a Wave Checking Account. Rates will be determined by individual credit-worthiness. Other rates and terms apply. All Loan offers subject to change without notice. 1.99% APR equity line for first 6-months. Thereafter 4% or Prime whichever is higher. Rates apply to home equity loans/lines of $25,000 or more. 1-4-family owner-occupied homes.

Overdraft Privilege Coming Your Way!

New regulatory requirements will change how overdrafts are handled by financial institutions for consumer accounts. In response to these changes, we’ve introduced Overdraft Privilege.

Overdraft Privilege means that should you inadvertently overdraw your account, Wave has the discretion to cover your overdrafts up to a certain amount, including fee(s) and thereby save you the embarrassment and inconvenience of a returned or declined item, as well as the fee normally charged to you by merchants for items returned to them.

Overdraft Privilege is yet another way we’re able to express our appreciation to you for choosing Wave.

Go green and more with WavErewards
Electronic communications and statements with built-in rewards

With WavErewards when you switch to e-statements and electronic communications you’ll be able to access your accounts 24-7 from anywhere there’s Internet access, pay bills, get e-statements immediately at the end of the month, earn extra share account interest, obtain advance notification of upcoming general promotions and take advantage of periodic “specials” just for WavErewards members.

Plus, you’ll be doing your part by “going green”

Getting started is easy. Just pick up an application at any of our offices.

New Student Loan Program

Offered In partnership with Sallie Mae, our convenient student loan program features an easy on-line application, generous loan amounts plus opportunities for the borrower to really save by making monthly interest payments while in school and six months afterwards. During this time they also build credit. Discounts are also available for those who choose to have payments automatically debited from their Wave accounts. To apply or learn more, visit http://www.salliemae.com/smartoption/wavefcu.

In the air and on the airwaves

Well almost in the air. If you are traveling out of T.F. Green Airport via Southwest, look for the Wave display right under flight information at the Southwest Concourse. And check out our latest :30 TV spot featuring some of our employees. Because if they like it here, that’s a pretty good sign that you will too!



Wave takes to the air "waves". Take a look.

A Great Time to Borrow

This remains a great time to borrow if you are thinking about a new or used auto, want to make home improvements or are looking for a new home.

Check Specials for our new car rates. And visit Loan Rates for great rates on all our loan products.

Looking for just the right mortgage loan? Visit the Mortgage Center.

At Wave, whether you are buying or financing, you’re sure to find the right mortgage loan to suit your particular situation. Visit the Mortgage Center and then put our experience in residential and consumer lending to work for you.

Looking for a great checking account that also pays high interest?

Check out Wave Navigator Checking.

Earn up to 1.26%APY on your checking account balance while also enjoying FREE Online Banking and Bill-Pay, consumer loan discounts, bonus raters on CDs and more.

WaveWorks for WholeFoods

    WholeFoods Markets is the latest addition to companies taking advantage of WaveWorks, our personalized bank at work program. At right Nikki Petrucci, WholeFoods Gano Street Payroll & Benefits Specialist confers with Betty Pinheiro, our WaveWorks Ambassador to WholeFoods during a regular WholeFoods visit.

If you and your company might benefit from this popular program, let us know. You’ll earn a finders fee.

Another Nationwide Surcharge-Free ATM network for Wave members.

In addition to SUM®, MoneyPass® and the Credit Union Service Centers® networks, The CO-OP Network® will provide surcharge-free access at 25,000 ATMs, including 5,500 7-Eleven locations throughout the U.S. and Canada. You'll even be able to download the database directly to your Garmin, Tom Tom or other GPS device.

A New Look to the Credit Union ATM Connection

More participating Rhode Island Credit Unions and over 50 ATM locations.

Get all the details on our CU Connection page.

 

Nationwide Banking Network for Wave Members.

As you know, Wave has been a leader in making banking services available nationwide to its members. Now, through the Financial Service Centers Cooperative, Inc. (FSCC) there are extensions of Wave FCU at over 2100 locations in 45 states, Puerto Rico and on USA Military bases in five countries.

Wave was one of the first New England credit unions to join FSCC. FSCC operates the CU Service Centers ® Network, a shared network of credit union branches. Services include deposits and withdrawals, loan payments and loan advances, VISA and MasterCard advances and much more.

So, with the Credit Union Service Centers, SUM, MoneyPass, the Credit Union ATM Connection plus WaveNet and Wave Bill-Pay, you can go coast-to-coast….waving all the way.
 

Our Warwick Offices at 480 Greenwich Avenue and 1217 Warwick Avenue now open Saturday, 9:00am-12:00pm.

Save on Safe Deposit Boxes

Take advantage of the lowest safe deposit box rates around. 5 different sizes are available. Yearly rates start at $25/year for a 3” x 5” box and will be automatically deducted from your Wave savings account.

Financial Planning
Any time you need planning assistance or financial advice, please call David Weinberg at the Wave office in Warwick. We are pleased to announce that Dave, Bob Rebussini and Kevin McGrady recently joined Integrated Financial Partners, Inc. (IFP), a premier financial planning firm.

IFP has earned a reputation for integrity by providing clients with a deeply informed, objective and independent approach. This change will significantly impact our ability to better service members through advanced technology and support as well as access to a powerful array of products and solutions for a volatile market. Call Dave at (401) 562-1222 or (401) 862-6800.

IFP's Financial Advisor David H. Weinberg, left and Financial Planner
Robert A. Rebussini, CFS, LUTCF, CLTC in their office at Wave.
 


HOURS

Warwick Offices
Monday-Wednesday 9:00am-4:00pm. Drive-Up 8:00am-4:00pm.
Thursday-Friday 9:00am-5:00pm. Drive-Up 8:00am-5:00pm.

Saturday* 9:00am-12:00pm. Drive-Up 9:00am-12:00pm.
*Main Office - 480 Greenwich Avenue, 02886
*Warwick Avenue Office - 1217 Warwick Avenue, 02888


Pawtucket Office
Monday-Thursday 9:00am-4:00pm
Friday 9:00am-6:00pm

To keep up to date on new products and services, send us your email address and we'll put you on our mailing list.

Ride the Wave to your financial security!

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Wave Federal Credit Union
Main Office
480 Greenwich Avenue
Warwick, RI 02886
(401) 781-1020
(1-888-492-8328)

Apponaug Office
35 Veterans Memorial Drive
Warwick, RI 02886
(401) 681-1080
Fax: (401) 681-1085

Warwick Avenue Office
1217 Warwick Avenue
Warwick, RI 02888
(401) 463-9574
Fax: (401) 463-5161

Pawtucket Office
341 Benefit Street
(Corner Benefit & Cottage)
Pawtucket, RI 02861
(401) 726-5752
Fax: (401) 726-6301




 

Copyright © 2007 by Wave Federal Credit Union. All rights reserved.
 Created by HCC/Hudson & Co.

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