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Term Certificate A better way to save

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  • The safest way to start investing

    A Share Certificate from SeaWest is one of the easiest, safest ways to start investing, since your rate of return is 100% guaranteed. Simply agree to leave your money untouched for a specific amount of time (or term), and we’ll reward you with a stellar interest rate. You can pick the time frame that works best for you and then watch your money add up.

    • Get started with as little as $500
    • Pick the term that’s right for you
    • Enjoy competitive rates

    We’d love to bump up your rate

    At SeaWest we offer a special, one-time option to “bump up” your rate if our interest rates ever go higher, so you can save even more. All you need is a term of 24 months or longer and a minimum balance of $2,500.

    We’ll reward you for the long haul

    Planning to save for 5 years or more? We’ll make it worth your while. Open a term certificate now and we’ll let you deposit more into it once during your term.

    Come chat with us

    If you have any questions about opening a term certificate, feel free to reach out. We'd love to make sure you're enjoying the best rate possible—and getting the best service imaginable.

    Contact Us
  • Certificates

    TermCertificates * Dividend Rate APY**
    3 Months $500 – $49,999 0.53% 0.53%
    6 Months $500 – $49,999 1.01% 1.02%
    12 Months $500 – $49,999 1.58% 1.59%
    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 Early withdrawal penalty is equal to 30 to 90 days of interest on funds withdrawn prior to the certificate’s maturity.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 0.58% 0.58%
    6 Months$50,000 and Greater 1.06% 1.07%
    12 Months$50,000 and Greater 1.63% 1.64%
    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

  • Frequently Asked Questions

    With us, you can pick from a variety of term options. The minimum term is 3 months, and the maximum term is 60 months. If you'd like to keep your money there for longer than 60 months, you can typically renew your certificate.
    A term certificate and a CD (Certificate of Deposit) work essentially the same way. With both accounts, you agree to leave your money untouched for a set term in exchange for a higher interest rate. Banks call them CDs; credit unions usually refer to this account type as a "term certificate."

Term Certificate Disclosures
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