Certificates

Flexible Investments with SeaComm

SeaComm understands that members have different savings needs. Some prefer short-term maturity with investment flexibility while others prefer to deposit their funds for a longer term to optimize dividends. SeaComm's Certificates provide an excellent way to maximize dividends while investing funds for a fixed period of time.

You can select a SeaComm Certificate with the rate and term that will meet your individual needs and earn a competitive dividend rate. A SeaComm Certificate allows you to invest the dividends earned during the term of the certificate - so you actually earn dividends on your dividends. Or, if you prefer, you may choose to have the dividends transferred to your savings account on a monthly basis or at maturity.

Certificate Facts

  • Dividends are calculated daily and credited monthly based on your daily balance.
  • Youth Saver Certificates are available for younger members aged 17 or under

A SeaComm Certificate may be opened in minutes at any branch or by calling a Member Services Representative at 1-800-764-0566. SeaComm mails you a maturity notice when your certificate is about to mature and can automatically renew your current certificate at the dividend rate in effect at renewal. There is no need to worry about new paperwork or signatures. Everything is completed for you.

You may be eligible to increase your rate using our Enhanced Loyalty Rewards Program as defined below.

All SeaComm deposit accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Enhanced Loyalty Rewards

Our Enhanced Loyalty Rewards Program is designed to benefit YOU.

Receive additional basis points on Certificates of Deposits and Fixed IRAs by meeting certain criteria. Rewards are based on services used and length of membership. All veterans also earn an additional .15 basis points.

See our Basic Rewards and Basic Rewards PLUS criteria below to see what rewards you qualify for and how your rate can increase!

Our Basic Rewards Program applies to all Certificates of Deposits and 18-24 month Fixed IRAs. If you meet all of the following criteria, add...

  • 6 months or longer membership
  • Share draft account
  • Direct deposit
  • Active debit card holder

.30 Basis Points

Our Basic Rewards PLUS Program applies to all 24-60 month Certificates of Deposits and 24-60 month Fixed IRAs. If you meet all of the following criteria, add...

  • Meet all of the Basic Rewards

.30 Basis Points


  • One year membership
  • One loan product- Visa, Auto, Signature, RV (must be an existing loan of 6 months or greater)

.30 Basis Points


Additional Rewards:

Available on 30-60 month certificates. MUST meet all Basic Rewards Plus requirements to qualify. If all is met, you may earn the following...

  • Enrolled in eStatements
  • Member for 5-9 years

.10 Basis Points


  • CD renewal/rollover
  • Transfer from MMK to CD
  • Two or more loan products (must be an existing loan for 6 months or greater)
  • Veteran
  • 10+ years as a member *Length of Membership: The 10 + year basis point increase of .15 will not be granted in conjunction with the 5-9 year reward of .10 basis points.

.15 Basis Points


  • Mortgage or Home Equity Line of Credit
  • Business Loan Relationship ($50K+)

.25 Basis Points