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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: 01-22-2022

    Auto Loan Rates

    DescriptionBest APR*TermApply
    New Auto1.96%*36 Months. Other rates and terms available Apply Now
    Pre-Owned Auto – Up to 7 model years old2.36%*36 Months. Other rates and terms available Apply Now
    Contemporary Auto – 8 to 25 years old5.99%*24 Months. Other rates and terms available Apply Now

    Rates are subject to change without notice.

    * APR = Annual Percentage Rate. 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 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 Rate” for Pre-Owned Auto is currently 2.36% for a 36-month term. Rates vary with term.

    Motorcycle, Jet Ski, & Snowmobile Loan Rates

    DescriptionBest APR*TermApply
    New Motorcycle, Jet Ski & Snowmobile5.99%*36 Months Other rates and terms availableApply Now
    Used Motorcycle, Jet Ski & Snowmobile6.29%*36 Months Other rates and terms available Apply Now

    Rates are subject to change without notice.

    * APR = Annual Percentage Rate. 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 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 Rate” for Pre-Owned Auto is currently 2.36% for a 36-month term. Rates vary with term.

    Boat Loan Rates

    DescriptionBest APR*TermApply
    New Boat6.29%*36 Months Other rates and terms availableApply Now
    Used Boat6.79%*36 Months Other rates and terms availableApply Now

    Rates are subject to change without notice.

    * APR = Annual Percentage Rate. 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 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 Rate” for Pre-Owned Auto is currently 2.36% for a 36-month term. Rates vary with term.

    Recreational Vehicle Loan Rates

    DescriptionBest APR*TermApply
    New Recreational Vehicle5.99%*36 Months Other rates and terms availableApply Now
    Used Recreational Vehicle6.29%*36 Months Other rates and terms availableApply Now

    Rates are subject to change without notice.

    * APR = Annual Percentage Rate. 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 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 Rate” for Pre-Owned Auto is currently 2.36% for a 36-month term. Rates vary with term.

    Personal Loan Rates

    DescriptionBest APR*TermApply
    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
    PCS Loan3.00%12, 24 monthsApply Now
    Buoy Loan - Emergency Assistance for Coast Guard3.00%12, 24 monthsApply Now

    Rates are subject to change without notice.

    * APR = Annual Percentage Rate. 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 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 Rate” for Pre-Owned Auto is currently 2.36% for a 36-month term. Rates vary with term.

    Other Loan Rates

    DescriptionBest 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*3.500% (a)30 Years. Other rates & terms availableApply Now
    First Mortgage – Fixed*2.950% (b)15 Years. Other rates & terms availableApply Now
    Jumbo First Mortgage- Fixed*3.790% (c)30 Years. Other rates & terms availableApply Now
    First Mortgage – 7 Year ARM*2.500% (d)30 Years. Other rates & terms availableApply Now
    First Mortgage – 5 Year ARM*2.200% (e)30 Years. Other rates & terms availableApply Now

    *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 30 year loan based on 0.25 point origination, actual APR is 3.400% calculated using a loan amount of $548,250 and standard estimated closing costs.
    (b) Rate expressed is the Note Rate, for a 15 year loan based on 0.25 point origination, actual APR is 2.850% calculated using a loan amount of $548,250 and standard estimated closing costs.
    (c) Rate expressed is the Note Rate, for a 30 year loan based on 0.25 point origination, actual APR is 3.650% calculated using a loan amount of $1,500,000 and standard estimated closing costs.
    (d) Adjustable-Rate Mortgage (7/1 ARM), the initial interest rate is 2.500% 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 3/22/2021, the CMT index was 0.06%. 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). Rate expressed is the Note Rate, actual APR is 3.550% calculated using a loan amount of $548,250 and standard estimated closing costs. Rate based on 0.25 point origination.
    (e) Adjustable-Rate Mortgage (5/1 ARM), the initial interest rate is 2.200% 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 3/22/2021, the CMT index was 0.06%. 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). Rate expressed is the Note Rate, actual APR is 3.550% calculated using a loan amount of $548,250 and standard estimated closing costs. Rate based on 0.25 point origination.

    Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply.

    Home Equity Loan Rates

    DescriptionRateTermApply
    Home Equity Loan – Fixed*4.250% (f)15 Years. Other rates & terms availableApply Now
    Home Equity Line of Credit3.250% Promotional Rate (g)25 YearsApply Now

    *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.

    (f) ) Rate expressed is the Note Rate, for a 15-year loan, actual APR is 4.127% calculated using a loan amount of $250,000 and standard estimated closing costs.
    (g) Adjustable Rate, the initial rate will be 3.250% for the first six months (promotional rate), thereafter will adjust monthly to match the Prime Rate at that time. Prime Rate is currently 3.25%, initial APR is estimated to be 4.591% based on the maximum loan amount of $250,000. The minimum rate of 4.5% (floor) and maximum rate of 16% (ceiling). Payments are "Interest Only" during the draw period of 10 years, then amortized principal and interest for the remaining term of 15 years.
    Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply.

    Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply.

  • 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

    DescriptionAverage Daily BalanceDividend RateAPY*
    Regular & IRA Savings$0.01 – $99.990.10%0.10%
    Regular & IRA Savings$100 – $2,499.990.10%0.10%
    Regular & IRA Savings$2,500 – $9,999.990.10%0.10%
    Regular & IRA Savings$10,000 – $24,999.990.15%0.15%
    Regular & IRA Savings$25,000 – $49,999.990.20%0.20%
    Regular & IRA Savings$50,000 – $99,999.990.25%0.25%
    Regular & IRA Savings$100,000 and above0.30%0.30%

    Rates are subject to change without notice.

    *APY = Annual Percentage Yield

    Checking

    DescriptionAverage Daily BalanceDividend RateAPY*
    Checking$100 – $9,9990.050%0.050%
    Checking$10,000 and above0.100%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 RateAPY**
    3 Months$500 – $49,9990.15%0.15%
    6 Months$500 – $49,9990.24%0.24%
    12 Months$500 – $49,9990.36%0.36%
    18 Months$500 – $49,9990.55%0.55%
    24 Months$500 – $49,9990.65%0.65%
    36 Months$500 – $49,9990.75%0.75%
    48 Months$500 – $49,9990.80%0.80%
    †60 Months$500 – $49,9990.95%0.95%

    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

    TermCertificatesDividend RateAPY**
    3 Months$50,000 and Greater0.20%0.20%
    6 Months$50,000 and Greater0.29%0.29%
    12 Months$50,000 and Greater0.41%0.41%
    18 Months$50,000 and Greater0.60%0.60%
    24 Months$50,000 and Greater0.70%0.70%
    36 Months$50,000 and Greater0.80%0.80%
    48 Months$50,000 and Greater0.85%0.85%
    †60 Months$50,000 and Greater1.00%1.01%

    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

    DescriptionRate*TermApply
    Visa Classic13.92%RevolvingApply Now
    Visa Gold12.96%RevolvingApply Now
    Visa PlatinumPrime + 4.50%**RevolvingApply Now
    Visa Platinum RewardsPrime + 6.50%**RevolvingApply Now
    Secured Visa Classic15.00%RevolvingApply Now

    * Rates are subject to change without notice.

    ** Adjustable rate, changes monthly. Rate is Prime Rate PLUS 4.50% margin for Platinum and 6.50% margin for Platinum Rewards. Prime Rate is currently 3.25%.

    APR = Annual Percentage Rate
    † New Accounts Only - Introductory rate for first 6 billing periods.