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Savings & Certificates Big dreams? We'll get you there

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  • A better way to save

    Why save with us? We’ll keep it simple. We’ve got fantastic rates, straightforward accounts for every situation—and you’ll enjoy truly standout service.

    As a not-for-profit, member-owned credit union, we’re not beholden to external shareholders or Wall Street pundits—that’s what lets us offer such great savings rates. We know that when you succeed, we succeed.

    • Hard-to-beat interest rates
    • No monthly fees or charges
    • Federally insured up to $250,000

    Regular Savings

    At SeaWest, we make it easy to manage your money with a savings account, so you can keep your focus on your goals. Enjoy unfettered access to your account from anywhere, land or sea. We’ve got nice tech and even nicer people. We’d love to help you start your next adventure.

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    Holiday Club

    A Holiday Club account can help you save throughout the year, without much extra effort. Just set up small, regular transfers and then forget about it. That way when Christmas rolls around, you’ll be more than ready. It’s kind of like finding extra money in your jeans a few months later.

    • Set up easy automatic transfers
    • Get your money back⁠—with interest⁠—by November 1st
    • Next Christmas, give yourself a worry-free shopping spree

    Term Certificate

    A 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. We also have special options to bump up your rate.

    • 2 Year+ Certificates: One time rate increase for deposits of $2500 or more.
    • 5 Year Certificates: Option to add to your deposit once during the term.

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    We're always here to help

    If you have any questions about opening a savings account, 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
  • Regular & IRA Savings

    DescriptionAverage Daily BalanceDividend Rate APY*
    Regular & IRA Savings $0.01 – $99.99 0.35% 0.351%
    Regular & IRA Savings $100 – $2,499.99 0.35% 0.351%
    Regular & IRA Savings $2,500 – $9,999.99 0.35% 0.351%
    Regular & IRA Savings $10,000 – $24,999.99 0.35% 0.351%
    Regular & IRA Savings $25,000 – $49,999.99 0.35% 0.351%
    Regular & IRA Savings $50,000 – $99,999.99 0.45% 0.451%
    Regular & IRA Savings $100,000 and above 0.60% 0.602%

    Rates are subject to change without notice.

    *APY = Annual Percentage Yield

    Certificates

    TermCertificates * Dividend Rate APY**
    3 Months $500 – $49,999 0.22% 0.22%
    6 Months $500 – $49,999 0.31% 0.31%
    12 Months $500 – $49,999 0.46% 0.46%
    18 Months $500 – $49,999 0.90% 0.90%
    24 Months $500 – $49,999 0.95% 0.95%
    36 Months $500 – $49,999 1.00% 1.01%
    48 Months$500 – $49,999 1.05% 1.06%
    †60 Months$500 – $49,999 1.10% 1.11%

    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 0.27% 0.27%
    6 Months$50,000 and Greater 0.36% 0.36%
    12 Months$50,000 and Greater 0.51% 0.51%
    18 Months$50,000 and Greater 0.95% 0.95%
    24 Months$50,000 and Greater 1.00% 1.01%
    36 Months$50,000 and Greater 1.05%1.06%
    48 Months$50,000 and Greater 1.10% 1.11%
    †60 Months$50,000 and Greater 1.15% 1.16%

    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

    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.

    Yes. There is a low balance/inactivity fee charged quarterly on savings under $100 or inactive for 6 months (except on minor accounts).

    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."

    Interest is paid monthly on average daily balances of $100 or more.

    Yes! You can use this account to protect your checking account against overdrafts. That way, if you ever spend more than you have in your checking account, we'll take the money from your savings instead, and you'll avoid expensive overdraft fees. Just let us know if you'd like to opt in.

Savings & Certificates Disclosures
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