Rates

Savings & Checking

Description Average Daily Balance Dividend Rate APY*
Regular & IRA Savings $100 – $2,500 0.10% 0.10%
Regular & IRA Savings $2,501 – $10,000 0.25% 0.25%
Regular & IRA Savings $10,001 – $25,000 0.40% 0.40%
Regular & IRA Savings $25,001 – $50,000 0.45% 0.45%
Regular & IRA Savings $50,001 – $100,000 0.55% 0.55%
Regular & IRA Savings $100,001 and above 0.60% 0.60%
Checking $100 – $9,999 0.05% 0.05%
Checking $10,000 and above 0.10% 0.10%

Rates are subject to change without notice.

*APY = Annual Percentage Yield

Certificates

Term Certificates * Dividend Rate APY**
3 Months $500 – $49,999 0.31% 0.31%
6 Months $500 – $49,999 0.71% 0.71%
12 Months $500 – $49,999 1.18% 1.19%
18 Months $500 – $49,999 1.75% 1.77%
24 Months $500 – $49,999 2.00% 2.02%
36 Months $500 – $49,999 2.10% 2.12%
48 Months $500 – $49,999 2.50% 2.53%
60 Months $500 – $49,999 3.00% 3.05%
Term Certificates Dividend Rate APY**
3 Months $50,000 and Greater 0.36% 0.36%
6 Months $50,000 and Greater 0.76% 0.76%
12 Months $50,000 and Greater 1.23% 1.24%
18 Months $50,000 and Greater 1.80% 1.82%
24 Months $50,000 and Greater 2.05% 2.07%
36 Months $50,000 and Greater 2.15% 2.17%
48 Months $50,000 and Greater 2.55% 2.58%
60 Months $50,000 and Greater 3.05% 3.10%

Rates are subject to change without notice.

*A one-time rate bump-up is included in certificates with terms of 24 months, or longer, and a minimum balance of $2,500. Anytime during the certificate term, you may request a rate bump-up to the current rate being offered for the same term certificate. Early withdrawal penalty is equal to 30 to 90 days if interest on funds withdrawn prior to the certificate’s maturity.
**APY = Annual Percentage Yield

Loans

Description Best APR* Term**
New Auto 2.59%
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36, 48, 60, 66, 72, 84
Months
Pre-Owned Auto – Up to 7 model years old 2.89%
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36, 48, 60, 66, 72
Months
Contemporary Auto – 8 to 25 years old 8.45%
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24, 36, 48
Months
New Motorcycle, Jet Ski & Snowmobile 6.99%
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36, 48, 60
Months
Used Motorcycle, Jet Ski & Snowmobile 8.60%
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36, 48, 60
Months
New Boat 6.50%
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36, 48, 60, 72, 84, 120, 144
Months
Used Boat 8.00%
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36, 48, 60, 72, 84, 120, 144
Months
New Recreational Vehicle 6.99%
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36, 48, 60, 72, 84, 120, 144
Months
Used Recreational Vehicle 7.29%
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36, 48, 60, 72, 84, 120, 144
Months
Personal Loan 9.99%***
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12, 24, 36
Months
Certificate Loan Dividend Rate Paid on Account Plus 2%
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Up to maturity date of certificate
Savings Secured Loan Highest Dividend Rate Paid on Regular Savings Plus 2%
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12, 24, 36, 48, 60
Months
Line of Credit/Overdraft Protection 14.00%
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N/A

Rates are subject to change without notice.

* APR = Annual Percentage Rate
** Rates vary with term.
*** Includes 0.25% rate reduction for direct deposit to a Sea West checking account and automatic loan payments, or use of existing SeaPoints.

Credit Cards

Description APR* Term
Visa Classic 13.92%
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Revolving
Read Agreement
Visa Gold 12.96%
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Revolving
Read Agreement
Visa Platinum 9.50% **
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Revolving
Read Agreement
Visa Platinum Rewards 11.50%**
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Revolving
Read Agreement
Secured Visa Classic 15.00%
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Revolving
Read Agreement

Rates are subject to change without notice.

* APR = Annual Percentage Rate
** Adjustable rate, changes monthly. Rate is based on Prime Rate PLUS 4.50% margin for Platinum and 6.50% margin for Platinum Rewards. Prime Rate is currently 5.00%.

Mortgages

Description APR* Term
First Mortgage – Fixed** 4.125% *(a)
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15 Years

Other rates & terms available

Jumbo First Mortgage- Fixed** 4.500% *(b)
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30 Years

Other rates & terms available

Home Equity Loan – Fixed** 5.375% *(c)
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15 Years

Other rates & terms available

Home Equity Line of Credit Prime Rate *(d)
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25 Years

Other rates & terms available

Rates are subject to change without notice.

*APR = Annual Percentage Rate

**Closing costs can and do vary based on housing type, loan amount and other factors. For an accurate estimate of these costs, please contact our real Estate Department for a Good Faith Estimate for your loan scenario.

(a) Rate expressed is the Note Rate, for a 15 year loan, actual APR is 4.22% calculated using a loan amount of $650,000 and standard estimated closing costs.
(b) Rate expressed is the Note Rate, actual APR is 4.54% calculated using a loan amount of $1,000,000 and standard estimated closing costs.
(c) Rate expressed is the Note Rate, actual APR is 5.52% calculated using a loan amount of $250,000 and standard estimated closing costs.
(d) Adjustable rate, changes monthly. Rate is at Prime Rate with a minimum rate of 4.5% (floor) and a maximum rate of 16% (ceiling). Payments are “Interest Only” during draw period of 10 years, then amortized principal and interest for remaining term of 15 years. Prime Rate is currently 4.75%, initial APR is 4.82%.