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Personal Loans We're here to help make life happen

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  • Be ready for anything

    Personal loans can be used for any big need that might be coming up in your life, from last-minute repairs to that vacation you’ve always dreamed about. And at SeaWest, we’re looking out for your best interest (pun intended). Our low rates and comfortable payments help you keep more in your pocket each month.



    • Competitive rates
    • Generous terms
    • Affordable monthly payments

    NEW – PCS Loans

    We understand the unique demands of service life. Sometimes, unexpected costs come with a PCS transfer.

    This transfer season, we’re offering special PCS Loans far below our regular rates to qualifying personnel.  Borrow up to $2500 for 12 to 24 months, with rates starting at 3% APR*.

    SeaWest is proud to be the only credit union offering PCS Loans to military personnel on the move.  So call us, or apply online below, and put “PCS” in the comments form.

    Buoy Loans

    Because even the best of us can be overwhelmed at times, SeaWest Emergency Assistance Loans, aka “Buoy Loans,” were developed specifically for the Coast Guard.

    Like our PCS loans, rates are far below our regular rates for qualifying personnel.  Borrow up to $2500 for 12 to 24 months, with rates starting at only 3% APR.  To apply, simply call us at 800-SEA-WEST.  Or apply online, and put “Buoy” in the comments form.

    Protection when you need it

    We offer optional payment protection on all of our personal loans. If something happens to you that makes it impossible to pay back your loan (such as disability) we’ll forgive the remaining balance.



    Apply Online

    To apply for personal loans, fill out our easy online application, stop by a branch, or give us a call.

    Apply Now
  • 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
    PCS Loan3.00%12, 24 monthsApply Now
    Buoy Loan - Emergency Assistance for Coast Guard 3.00%12, 24 monthsApply 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 Loans Disclosures
Photo courtesy of the U.S. Department of Defense. Use of Department of Defense (DoD) visual information does not imply or contribute DoD endorsement.