Current Rates

IRA, Roth IRA Certificates$1000Minimum

Term	APY^*	w/ELR^**
5 yr	1.75%	up to 3.85%
4 yr	1.55%	up to 3.65%
3 yr	1.40%	up to 3.50%
30 mos	0.75%	up to 2.85%
2 yr	0.70%	up to 2.80%
18 mos	0.55%	up to 2.65%
1 yr	0.50%	up to 2.60%

Share Certificates$1000Minimum

Term	APY^*	w/ELR^**
5 yr	1.40%	up to 3.50%
4 yr	1.30%	up to 3.40%
3 yr	1.05%	up to 3.15%
30 mos	0.55%	up to 2.65%
2 yr	0.50%	up to 2.60%
18 mos	0.45%	up to 2.55%
1 yr	0.40%	up to 2.50%

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^*	w/ELR^**
6 mos	0.35%	up to 2.45%
12 mos	0.40%	up to 2.50%
18 mos	0.45%	up to 2.55%
24 mos	0.50%	up to 2.60%

Trad/Roth IRA Share Acct.$5Minimum

0.25% APY^*

Share Certificates$2500Minimum

Term	APY^*	w/ELR^**
6 mos	0.35%	up to 2.45%
90 days	0.25%	up to 2.35%

Primary Share Account$100Minimum

0.10% APY^*

Our Enhanced Loyalty Rewards Program is designed to benefit YOU!

Call us today or click here to see what rewards you qualify for and learn how you could increase your certificate rate!

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Loan Rates

New & Used Vehicles

2024 - 2025 (New)	2021 and newer	2020	2019	2021 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:

59 monthly payments of $19.22 and 1 payment of $18.86 p/$1,000 borrowed @ 5.74% APR
59 monthly payments of $19.45 and 1 payment of $19.31 p/$1,000 borrowed @ 6.24% APR
59 monthly payments of $19.57 and 1 payment of $19.21 p/$1,000 borrowed @ 6.49% APR
71 monthly payments of $16.58 and 1 payment of $15.88 p/$1,000 borrowed @ 5.99% APR
83 monthly payments of $14.85 and 1 payment of $14.61 p/$1,000 borrowed @ 6.49% APR

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

60 month balloon payment with 180 month amortization. - As low as 5.74% * APR

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

60 Month Term - As low as 10.00% APR

Repayment Example: 59 monthly payments of $21.25 and 1 payment of $21.23 p/$1,000 borrowed @ 10.00% APR

Secure Rates

60 Month Term - As low as 9.24% APR

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

SeaComm VISA® Platinum - As low as 8.99% APR Visa Card Disclosure

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

^**ELR = Enhanced Loyalty Rewards

All rates are effective as of April 14, 2025 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.