Rates

Savings & Checking

Description Average Daily Balance Dividend Rate APY*
Regular & IRA Savings $0.01 – $99.99 0% 0%
Regular & IRA Savings $100 – $2,499.99 0.20% 0.200%
Regular & IRA Savings $2,500 – $9,999.99 0.35% 0.351%
Regular & IRA Savings $10,000 – $24,999.99 0.50% 0.501%
Regular & IRA Savings $25,000 – $49,999.99 0.60% 0.602%
Regular & IRA Savings $50,000 – $99,999.99 0.80% 0.803%
Regular & IRA Savings $100,000 and above 0.85% 0.853%
Checking $100 – $9,999 0.05% 0.050%
Checking $10,000 and above 0.10% 0.100%

Rates are subject to change without notice.

*APY = Annual Percentage Yield

Certificates

Term Certificates * Dividend Rate APY**
3 Months $500 – $49,999 0.53% 0.53%
6 Months $500 – $49,999 1.01% 1.02%
12 Months $500 – $49,999 1.72% 1.73%
18 Months $500 – $49,999 2.00% 2.02%
24 Months $500 – $49,999 2.25% 2.28%
36 Months $500 – $49,999 2.35% 2.38%
48 Months $500 – $49,999 2.75% 2.79%
60 Months $500 – $49,999 3.25% 3.30%
Term Certificates Dividend Rate APY**
3 Months $50,000 and Greater 0.58% 0.58%
6 Months $50,000 and Greater 1.06% 1.07%
12 Months $50,000 and Greater 1.77% 1.79%
18 Months $50,000 and Greater 2.05% 2.07%
24 Months $50,000 and Greater 2.30% 2.33%
36 Months $50,000 and Greater 2.40% 2.43%
48 Months $50,000 and Greater 2.80% 2.84%
60 Months $50,000 and Greater 3.30% 3.35%

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 Early withdrawal penalty is equal to 30 to 90 days of interest on funds withdrawn prior to the certificate’s maturity.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

Loans

Description Best APR* Term*
New Auto 2.99%*
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36 Months

 

 

 

Other rates and terms available

Pre-Owned Auto – Up to 7 model years old 2.99%*
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36 Months

 

 

 

Other rates and terms available

Contemporary Auto – 8 to 25 years old 6.74%*
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24 Months

 

 

 

Other rates and terms available

New Motorcycle, Jet Ski & Snowmobile 6.74%*
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36  Months

 

 

 

Other rates and terms available

Used Motorcycle, Jet Ski & Snowmobile 7.04%*
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36 Months

 

 

 

Other rates and terms available

New Boat 7.04%*
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36 Months

 

 

 

Other rates and terms available

Used Boat 7.54%*
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36 Months

 

 

 

Other rates and terms available

New Recreational Vehicle 6.74%*
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36 Months

 

 

 

Other rates and terms available

Used Recreational Vehicle 7.04%*
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36 Months

 

 

 

Other rates and terms available

Personal Loan 8.75%*
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12 Months

 

 

 

Other rates and terms available

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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Revolving

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, i.e. the “Best APR” for Pre-Owned Auto is currently 2.99% for a 36-month term and includes a 0.25% rate reduction  for direct deposit to a Sea West checking account and automatic loan payments.  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.

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 10.00% **
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Revolving
Read Agreement
Visa Platinum Rewards 12.00%**
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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 5.50%.

Mortgages

Description Rate Term
First Mortgage – Fixed* 3.625% (a)
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15 Years

 

Other rates & terms available

Jumbo First Mortgage- Fixed* 4.250% (b)
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30 Years

 

Other rates & terms available

Home Equity Loan – Fixed* 5.000% (c)
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15 Years

 

Other rates & terms available

Home Equity Line of Credit

4.500% (d)

Promotional Rate*
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25 Years

 

 

 

First Mortgage – 7 Year ARM*

3.500% (e)

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30 Years

Other rates & terms available

First Mortgage – 5 Year ARM*

3.250% (f)

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30 Years

Other rates & terms available

Rates are subject to change without notice.

*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 3.71% calculated using a loan amount of $726,525 and standard estimated closing costs.
(b) Rate expressed is the Note Rate, actual APR is 4.29% calculated using a loan amount of $1,000,000 and standard estimated closing costs.
(c) Rate expressed is the Note Rate, actual APR is 5.14% calculated using a loan amount of $250,000 and standard estimated closing costs.
(d) Adjustable Rate, the initial rate will be 4.5% for the first 6 months (promotional rate), thereafter will adjust monthly to match the Prime Rate at that time.  The minimum rate of 4.5% (floor) and 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 5.50%, initial APR is 5.59%.

(e) Adjustable Rate Mortgage (7/1 ARM), the initial interest rate is 3.500% for the first 7 years.  Thereafter, the Rate will adjust annually based on the index plus the Margin.  The index is the Constant Maturity Treasuries (CMT) and the Margin is 2.75%.  As of 5/23/19, the CMT index was 2.32%.  The Rate may not increase more than 2% per year (adjustment cap) and not more than 5% greater than the initial Rate for the life of the loan (Lifetime Cap).  The APR is 4.80%.

(f)   Adjustable Rate Mortgage (5/1 ARM), the initial interest rate is 3.250% for the first 5 years.  Thereafter, the Rate will adjust annually based on the index plus the Margin.  The index is the Constant Maturity Treasuries (CMT) and the Margin is 2.75%.  As of 5/23/19, the CMT index was 2.32%.  The Rate may not increase more than 2% per year (adjustment cap) and not more than 5% greater than the initial Rate for the life of the loan (Lifetime Cap).  The APR is 4.87%.