Rates

Rates are subject to change without notice. 

**APY = Annual Percentage Yield

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 Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to the certificate’s maturity.

†Funds may be added one time during the term, if certificate purchased on or after June 1, 2019.

**APY = Annual Percentage Yield

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 Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to the certificate’s maturity.

†Funds may be added one time during the term, if certificate purchased on or after June 1, 2019.

**APY = Annual Percentage Yield

*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 Mortgage Department for a Good Faith Estimate for your loan scenario.

(a) Rate expressed is the Note Rate, for a 15-year loan based on zero (0) point, actual APR is 6.3283% calculated using a loan amount of $806,500 and standard estimated closing costs.

(b) Rate expressed is the Note Rate, for a 30-year loan based on zero (0) point, actual APR is 6.6732% calculated using a loan amount of $806,500 and standard estimated closing costs.

(c) Rate expressed is the Note Rate, for a 30-year loan based on zero (0) point, actual APR is 6.4146% calculated using a loan amount of $1,209,750 and standard estimated closing costs.

(d) Rate expressed is the Note Rate, for a 30-year loan based on zero (0) point, actual APR is 7.3039% calculated using a loan amount of $1,500,000 and standard estimated closing costs.

Rates, terms, conditions, adjustments, and availability are subject to change or withdrawal at any time and without notice. Rates represent base pricing (indication-only as of 03/24/2025). Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply.

*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.

(g) Adjustable Rate, the initial rate will be 3.99% for the first 6 months, thereafter will adjust monthly to match the Prime Rate at that time. Prime Rate is currently 7.50%, initial APR is estimated to be 7.689% based on the maximum loan amount of $250,000. The minimum rate of 4.5% (floor) and maximum rate of 16% (ceiling). Payments are "Interest Only" during the draw period of 10 years, then amortized principal and interest for the remaining term of 15 years. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply.

*APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program. Members who are active duty or retired military can qualify for a 0.25% rate reduction. Non-service members can qualify for a 0.25% rate reduction with direct deposit to a Sea West checking account and automatic loan payments. Discounts cannot be stacked. Rates vary by term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information. Rates are subject to change without notice.

Rates are subject to change without notice.

*APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program. Members who are active duty or retired military can qualify for a 0.25% rate reduction. Non-service members can qualify for a 0.25% rate reduction with direct deposit to a Sea West checking account and automatic loan payments. Discounts cannot be stacked. Rates vary by term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information. Rates are subject to change without notice.

Rates are subject to change without notice.

*APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program. Members who are active duty or retired military can qualify for a 0.25% rate reduction. Non-service members can qualify for a 0.25% rate reduction with direct deposit to a Sea West checking account and automatic loan payments. Discounts cannot be stacked. Rates vary by term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information. Rates are subject to change without notice.

Rates are subject to change without notice.

*APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program. Members who are active duty or retired military can qualify for a 0.25% rate reduction. Non-service members can qualify for a 0.25% rate reduction with direct deposit to a Sea West checking account and automatic loan payments. Discounts cannot be stacked. Rates vary by term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information. Rates are subject to change without notice.

Rates are subject to change without notice.

*APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program and includes a 0.25% rate reduction for direct deposit to a SeaWest checking account and automatic loan payments. Discounts cannot be stacked. Rates vary with term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information.

Rates are subject to change without notice.

*APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program and includes a 0.25% rate reduction for direct deposit to a SeaWest checking account and automatic loan payments. Discounts cannot be stacked. Rates vary with term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information.

Rates are subject to change without notice.

Solicitation Disclosure