Savings Rates
Regular and IRA Savings Rates
Rates current as of 6/1/2026
| Description | Average Daily Balance | Dividend Rate | APY** |
|---|---|---|---|
| Regular & IRA Savings | $0.01 – $99.99 | 0.15% | 0.15% |
| Regular & IRA Savings | $100 – $2,499.99 | 0.15% | 0.15% |
| Regular & IRA Savings | $2,500 – $9,999.99 | 0.15% | 0.15% |
| Regular & IRA Savings | $10,000 – $24,999.99 | 0.20% | 0.20% |
| Regular & IRA Savings | $25,000 – $49,999.99 | 0.25% | 0.25% |
| Regular & IRA Savings | $50,000 – $99,999.99 | 0.30% | 0.30% |
| Regular & IRA Savings | $100,000 and above | 0.35% | 0.35% |
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Rates are subject to change without notice.
**APY = Annual Percentage Yield
Share Certificate Rates
Rates current as of 6/15/2026
| Term | Certificates * | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $500 – $49,999 | 2.50% | 2.53% |
| 6 Months | $500 – $49,999 | 3.00% | 3.05% |
| 12 Months | $500 – $49,999 | 3.05% | 3.10% |
| 15 Months | $500 - $49,999 | 3.10% | 3.15% |
| 18 Months | $500 – $49,999 | 3.15% | 3.20% |
| 24 Months | $500 – $49,999 | 3.20% | 3.25% |
| 36 Months | $500 – $49,999 | 3.25% | 3.30% |
| 48 Months | $500 – $49,999 | 3.30% | 3.35% |
| †60 Months | $500 – $49,999 | 3.35% | 3.41% |
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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 Early withdrawal penalty is equal to 30 to 90 days of dividends on funds withdrawn prior to the certificate’s maturity.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
Share Certificate Rates - $50,000 and Greater
Rates current as of 6/15/2026
| Term | Certificates | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $50,000 and Greater | 2.55% | 2.58% |
| 6 Months | $50,000 and Greater | 3.05% | 3.10% |
| 12 Months | $50,000 and Greater | 3.10% | 3.15% |
| 15 Months | $50,000 and Greater | 3.15% | 3.20% |
| 18 Months | $50,000 and Greater | 3.20% | 3.25% |
| 24 Months | $50,000 and Greater | 3.25% | 3.30% |
| 36 Months | $50,000 and Greater | 3.30% | 3.35% |
| 48 Months | $50,000 and Greater | 3.35% | 3.41% |
| †60 Months | $50,000 and Greater | 3.40% | 3.46% |
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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
Loan Rates
Mortgage Rates
Rates current as of 6/1/2026
| Description | Rate | Term |
|---|---|---|
| First Mortgage - Fixed* | 6.000% (a) | 15 Years. Other rates & terms available |
| First Mortgage – Fixed* | 6.250% (b) | 30 Years. Other rates & terms available |
| VA Home Loan - Fixed* | 6.000% (c) | 30 Years. Other rates & terms available |
| JUMBO - Fixed* | 6.875% (d) | 30 Years. Other rates & terms available |
| REVERSE Mortgage – (New!) | Call for consultation and program details! | |
| Other Programs & Options Available |
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*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 6.1447% calculated using a loan amount of $832,750 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 6.3378% calculated using a loan amount of $832,750 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 6.0600% calculated using a loan amount of $1,249,125 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 6.9475% 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 02/05/2026). 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.
HELOC Rates
Rates current as of 6/1/2026
| Description | Rate | Term |
|---|---|---|
| Home Equity Line of Credit* | 3.99% (g) | 25 Years |
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*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 6.75%, initial APR is estimated to be 6.778% based on the maximum loan amount of $500,000. 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.
Vehicle Loan Rates
Rates current as of 6/1/2026
Auto Loan Rates
| Description | Best APR* | Term |
|---|---|---|
| New Auto | 3.99%* | 36 Months. Other rates and terms available |
| Pre-Owned Auto – Up to 7 model years old | 4.39%* | 36 Months. Other rates and terms available |
| Contemporary Auto – 8 to 25 years old | 6.69%* | 24 Months. Other rates and terms available |
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*APR = Annual Percentage Rate. Rates quoted above are promotional rates and available for a limited time. Discounts cannot be stacked with the promotional rates above. 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. 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. Rates are subject to change without notice.
Recreational Vehicle Loan Rates
| Description | Best APR* | Term |
|---|---|---|
| New Recreational Vehicle | 6.99%* | 36 Months. Other rates and terms available |
| Used Recreational Vehicle | 7.39%* | 36 Months. Other rates and terms available |
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*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. 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.
Rates are subject to change without notice.
Motorcycle, Jet Ski, & Snowmobile Loan Rates
| Description | Best APR* | Term |
|---|---|---|
| New Motorcycle, Jet Ski & Snowmobile | 6.99%* | 36 Months. Other rates and terms available |
| Used Motorcycle, Jet Ski & Snowmobile | 7.39%* | 36 Months. Other rates and terms available |
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*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. 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.
Rates are subject to change without notice.
Boat Loan Rates
| Description | Best APR* | Term |
|---|---|---|
| New Boat | 6.99%* | 36 Months. Other rates and terms available |
| Used Boat | 7.39%* | 36 Months. Other rates and terms available |
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*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. 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.
Rates are subject to change without notice.
Personal Loan Rates
Rates current as of 6/1/2026
| Description | Best APR* | Term |
|---|---|---|
| Personal Loan | 9.96%* | 12 Months. Other rates and terms available |
| Savings Secured Loan | Highest Dividend Rate Paid on Regular Savings Plus 2% | 12, 24, 36, 48, 60 Months |
| Line of Credit/Overdraft Protection | 14.00% | Revolving |
| PCS Loan (Permanent Change of Station) | 3.00% | 12, 24 Months |
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*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. 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.
Rates are subject to change without notice.
Credit Cards
Rates current as of 6/1/2026
| Description | Rate* | Term |
|---|---|---|
| Visa Classic | 13.92% | Revolving |
| Visa Gold | 12.96% | Revolving |
| Visa Platinum | Prime + 4.50%** | Revolving |
| Visa Platinum Sea Cash Rewards | Prime + 15.50%** | Revolving |
| Secured Visa Classic | 15.00% | Revolving |
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*APR = Annual Percentage Rate. Interest begins to accrue the date the transfer posts.
Rates are subject to change without notice.
Application and Solicitation Disclosure
Pending Disclosure. For further information, please contact us at (800) SEA-WEST