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Rates

  • 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: 08-21-2019

    Auto Loan Rates

    Description Best APR* Term* Apply
    New Auto2.99%* 36 Months Other rates and terms available Apply Now
    Pre-Owned Auto – Up to 7 model years old2.99%* 36 Months Other rates and terms available Apply Now
    Contemporary Auto – 8 to 25 years old6.99%*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 availableApply Now
    Used Motorcycle, Jet Ski & Snowmobile7.29%*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

    DescriptionBest APR* Term* Apply
    New Boat7.29%* 36 Months Other rates and terms availableApply Now
    Used Boat7.79%* 36 Months Other rates and terms availableApply 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 availableApply Now
    Used Recreational Vehicle 7.29%* 36 Months Other rates and terms availableApply 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

    DescriptionBest APR*Term*Apply
    Personal Loan9.00%* 12 Months Other rates and terms availableApply Now
    Savings Secured LoanHighest Dividend Rate Paid on Regular Savings Plus 2% 12, 24, 36, 48, 60 MonthsApply Now
    Line of Credit/Overdraft Protection14.00%RevolvingApply 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.

    Other Loan Rates

    Description Best APR* Term* Apply
    Certificate LoanDividend Rate Paid on Account Plus 2% Up to maturity date of certificateApply 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.

  • 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

    DescriptionRateTermApply
    First Mortgage – Fixed*3.375% (a) 15 Years Other rates & terms availableApply Now
    Jumbo First Mortgage- Fixed* 3.990% (b) 30 Years Other rates & terms availableApply Now
    First Mortgage – 7 Year ARM*3.340% (e) 30 Years Other rates & terms availableApply Now
    First Mortgage – 5 Year ARM*3.200% (f) 30 Years Other rates & terms availableApply 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 availableApply Now
    Home Equity Line of Credit 4.500% (d) Promotional Rate* 25 YearsApply 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%.

  • 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: 08-21-2019

    Regular & IRA Savings

    DescriptionAverage Daily BalanceDividend 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: 08-21-2019

    Checking

    Description Average Daily Balance Dividend Rate APY*
    Checking $100 – $9,9990.05%0.050%
    Checking$10,000 and above0.10%0.100%

    Rates are subject to change without notice.

    *APY = Annual Percentage Yield

  • 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

    TermCertificates * 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

  • 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.

    Visa Credit Cards Rates

    Description APR* TermApply
    Visa Classic 13.92% Revolving Apply Now
    Visa Gold 12.96% Revolving Apply Now
    Visa Platinum 10.00% ** Revolving Apply Now
    Visa Platinum Rewards12.00%** 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 Disclosures
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