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 dividend 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.
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 dividends—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 dividend 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.
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.
Regular & IRA Savings
| Description | Average Daily Balance | Dividend Rate | APY* |
|---|---|---|---|
| Regular & IRA Savings | $0.01 – $99.99 | 0.15% | 0.15% |
| Regular & IRA Savings | $100 – $2,499.99 | 0.15% | 0.15% |
| Regular & IRA Savings | $2,500 – $9,999.99 | 0.15% | 0.15% |
| Regular & IRA Savings | $10,000 – $24,999.99 | 0.20% | 0.20% |
| Regular & IRA Savings | $25,000 – $49,999.99 | 0.25% | 0.25% |
| Regular & IRA Savings | $50,000 – $99,999.99 | 0.30% | 0.30% |
| Regular & IRA Savings | $100,000 and above | 0.35% | 0.35% |
Certificates
| Term | Certificates* | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $500 – $49,999 | 2.75% | 2.79% |
| 6 Months | $500 – $49,999 | 3.00% | 3.05% |
| 12 Months | $500 – $49,999 | 3.50% | 3.56% |
| 15 Months | $500 - $49,999 | 3.50% | 3.56% |
| 18 Months | $500 – $49,999 | 3.50% | 3.56% |
| 24 Months | $500 – $49,999 | 3.50% | 3.56% |
| 36 Months | $500 – $49,999 | 3.25% | 3.30% |
| 48 Months | $500 – $49,999 | 3.25% | 3.30% |
| †60 Months | $500 – $49,999 | 3.25% | 3.30% |
Certificates $50,000 and Greater
| Term | Certificates* | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $50,000 and Greater | 2.80% | 2.84% |
| 6 Months | $50,000 and Greater | 3.05% | 3.10% |
| 12 Months | $50,000 and Greater | 3.55% | 3.61% |
| 15 Months | $50,000 and Greater | 3.55% | 3.61% |
| 18 Months | $50,000 and Greater | 3.55% | 3.61% |
| 24 Months | $50,000 and Greater | 3.55% | 3.61% |
| 36 Months | $50,000 and Greater | 3.30% | 3.35% |
| 48 Months | $50,000 and Greater | 3.30% | 3.35% |
| †60 Months | $50,000 and Greater | 3.30% | 3.35% |
Frequently Asked Questions
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Yes, at SeaWest we offer a special, one-time option to “bump up” your rate if our dividend 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.
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Yes. There is a low balance/inactivity fee charged quarterly on savings under $100 or inactive for 6 months (except on minor accounts).
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With us, you can pick from a variety of Certificate terms. 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.
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Dividends are paid monthly on average daily balances of $100 or more.
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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.