Current Rates
IRA, Roth IRA Certificates$1000Minimum
Term | APY* |
---|---|
5 yr | 1.75% |
4 yr | 1.55% |
3 yr | 1.40% |
30 mos | 0.75% |
2 yr | 0.70% |
18 mos | 0.55% |
1 yr | 0.50% |
Share Certificates$1000Minimum
Term | APY* |
---|---|
5 yr | 1.40% |
4 yr | 1.30% |
3 yr | 1.05% |
30 mos | 0.55% |
2 yr | 0.50% |
18 mos | 0.45% |
1 yr | 0.40% |
Money Market Account$100Minimum
Term | APY* |
---|---|
$100 - $2,499.99 | 0.10% |
$2,500 - $9,999.99 | 0.25% |
$10,000 - $24,999.99 | 0.35% |
$25,000 - $49,999.99 | 0.45% |
$50,000 - $99,999.99 | 0.60% |
$100,000 and above | 1.00% |
For Our Young Savers$500Minimum
Term | APY* |
---|---|
6 mos | 0.35% |
12 mos | 0.40% |
18 mos | 0.45% |
24 mos | 0.50% |
Trad/Roth IRA Share Acct.$5Minimum
0.25% APY*
Share Certificates$2500Minimum
Term | APY* |
---|---|
6 mos | 0.35% |
90 days | 0.25% |
Share Certificates$5000Minimum
Term | APY* |
---|---|
14 mos | Base rate of 4.25% & as high as 6.35%** |
**Includes Enhanced Loyalty Rewards Limited time offer! Ends 12/31/23 Terms & Conditions |
Primary Share Account$100Minimum
0.10% APY*
Loan Rates
New & Used Vehicles
2023 - 2024 (New) | 2020 and newer | 2019 | 2018 | 2020 or newer year vehicles 72 month term | Current or prior year (new) vehicles 84 month term*** |
---|---|---|---|---|---|
As low as 5.74%* APR1 | As low as 5.74%** APR | As low as 6.24%** APR | As low as 6.49%** APR | As low as 5.99%** APR | As low as 6.49%** APR |
Repayment Examples:

1 -Annual Percentage Rate
*Rate examples are based on a FICO score of 730 or higher, 60 month term, having 10% down payment, with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
**Rate examples are based on FICO score of 730 or higher, 60 month term with Member Rewards. Lower rates may apply for terms less than 60 months. Does not include insurances.
***Less than 12,000 miles
Recreational Vehicles
Repayment Example: 59 monthly payments of $8.31 and 1 payment of $764.22 p/$1,000 borrowed @ 5.74% APR
*Rates based on 60 month term with Member Rewards discounts applied.
Signature Loans
Repayment Example: 59 monthly payments of $21.25 and 1 payment of $21.23 p/$1,000 borrowed @ 10.00% APR
Secure Rates
Repayment Example: 59 monthly payments of $20.88 and 1 payment of $20.87 p/$1,000 borrowed @ 9.24% APR
Share Secured Rates - 3% Above Regular Share APY
Credit Cards
Looking for a rate that is not listed?
Home Loans, Mobile Home Loans, Home Equity Loans, Home Equity Lines of Credit, etc...
*APY = Annual Percentage Yield
All rates are effective as of November 16, 2023 and are subject to change. Early withdrawal penalties may be imposed on certificate accounts. Fees could reduce the earnings on an account. Loan rates and terms are determined by each member's overall credit history and are subject to change. Based on FICO score, maximum APR could be 17.99%. Different rates may apply. For updated information, inquire at any SeaComm office or call 1-800-764-0566.