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Save more by choosing SeaWest
We have some of the most competitive rates and lowest fees nationwide, but that doesn’t mean we sacrifice on service.
From the best tech to the friendliest tellers, we keep the focus on you.
Rates Effective as of: 11-21-2024Auto Loan Rates
Description Best APR* Term* Apply New Auto 2.99%* 36 Months Other rates and terms available Apply Now Pre-Owned Auto – Up to 7 model years old 2.99%* 36 Months Other rates and terms available Apply Now Contemporary Auto – 8 to 25 years old 6.99%* 24 Months Other rates and terms available Apply Now 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.
Motorcycle, Jet Ski, & Snowmobile Loan Rates
Description Best APR* Term* Apply New Motorcycle, Jet Ski & Snowmobile 6.99%* 36 Months Other rates and terms available Apply Now Used Motorcycle, Jet Ski & Snowmobile 7.29%* 36 Months Other rates and terms available Apply Now 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.
Boat Loan Rates
Description Best APR* Term* Apply New Boat 7.29%* 36 Months Other rates and terms available Apply Now Used Boat 7.79%* 36 Months Other rates and terms available Apply Now 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.
Recreational Vehicle Loan Rates
Description Best APR* Term* Apply New Recreational Vehicle 6.99%* 36 Months Other rates and terms available Apply Now Used Recreational Vehicle 7.29%* 36 Months Other rates and terms available Apply Now 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.
Personal Loan Rates
Description Best APR* Term* Apply Personal Loan 9.00%* 12 Months Other rates and terms available Apply Now Savings Secured Loan Highest Dividend Rate Paid on Regular Savings Plus 2% 12, 24, 36, 48, 60 Months Apply Now Line of Credit/Overdraft Protection 14.00% Revolving Apply Now 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.
Rates Effective as of: 11-21-2024Other Loan Rates
Description Best APR* Term* Apply Certificate Loan Dividend Rate Paid on Account Plus 2% Up to maturity date of certificate Apply Now 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.
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Save more by choosing SeaWest
We have some of the most competitive rates and lowest fees nationwide, but that doesn’t mean we sacrifice on service.
From the best tech to the friendliest tellers, we keep the focus on you.
Mortgage Rates
Description Rate Term Apply First Mortgage – Fixed* 3.375% (a) 15 Years Other rates & terms available Apply Now Jumbo First Mortgage- Fixed* 3.990% (b) 30 Years Other rates & terms available Apply Now First Mortgage – 7 Year ARM* 3.340% (e) 30 Years Other rates & terms available Apply Now First Mortgage – 5 Year ARM* 3.200% (f) 30 Years Other rates & terms available Apply Now 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%.
Home Equity Loan Rates
Description Rate Term Apply Home Equity Loan – Fixed* 4.875% (c) 15 Years Other rates & terms available Apply Now Home Equity Line of Credit 4.500% (d) Promotional Rate* 25 Years Apply Now 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%.
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Save more by choosing SeaWest
We have some of the most competitive rates and lowest fees nationwide, but that doesn’t mean we sacrifice on service.
From the best tech to the friendliest tellers, we keep the focus on you.
Regular & IRA Savings
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% Rates are subject to change without notice.
*APY = Annual Percentage Yield
Rates Effective as of: 11-21-2024Checking
Description Average Daily Balance Dividend Rate APY* 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
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Save more by choosing SeaWest
We have some of the most competitive rates and lowest fees nationwide, but that doesn’t mean we sacrifice on service.
From the best tech to the friendliest tellers, we keep the focus on you.
Certificates
Term Certificates * Dividend Rate APY** 3 Months $500 – $49,999 0.54% 0.54% 6 Months $500 – $49,999 0.99% 0.99% 12 Months $500 – $49,999 1.69% 1.70% 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 2.50% 2.53% †60 Months $500 – $49,999 3.00% 3.05% 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
Certificates $50,000 and Greater
Term Certificates Dividend Rate APY** 3 Months $50,000 and Greater 0.59% 0.59% 6 Months $50,000 and Greater 1.04% 1.05% 12 Months $50,000 and Greater 1.74% 1.76% 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 2.55% 2.58% †60 Months $50,000 and Greater 3.05% 3.10% 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
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Save more by choosing SeaWest
We have some of the most competitive rates and lowest fees nationwide, but that doesn’t mean we sacrifice on service.
From the best tech to the friendliest tellers, we keep the focus on you.
Rates Effective as of: 11-21-2024Visa Credit Cards Rates
Description APR* Term Apply Visa Classic 13.92% Revolving Apply Now Visa Gold 12.96% Revolving Apply Now Visa Platinum 10.00% ** Revolving Apply Now Visa Platinum Rewards 12.00%** Revolving Apply Now Secured Visa Classic 15.00% Revolving Apply Now 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%.
Rates
Rates Disclosures
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