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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Seaboard Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Seaboard Federal Credit Union's Premium CD 60 month rates are at 3.66%, Premium IRA CD 60 month rates are at 3.66%, Premium CD 18 month rates are at 3.61%, Premium CD 24 month rates are at 3.61%, Premium CD 36 month rates are at 3.61%. Seaboard Federal Credit Union's savings rates are at 0.30%. Seaboard Federal Credit Union's money market rates are at 2.75%. Seaboard Federal Credit Union's Mortgages - 7/1 ARM 30 Years rates are at 5.75%, Mortgages - 7/1 ARM 20 Years rates are at 5.75%, Mortgages - 7/1 ARM 15 Years rates are at 5.75%, First Time Homebuyers Progam 5/5 ARM rates are at 5.75%, Mortgages - 5/5 ARM 30 Years rates are at 5.75%. Seaboard Federal Credit Union's Personal Loan Rates are at 7.00%. MonitorBankRates evaluates the financial stability of Seaboard Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.20%. Rates were last updated on 04/17/2026. Seaboard Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Seaboard Federal Credit Union? Share your experience about Seaboard Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Seaboard Federal Credit Union. 
Seaboard Federal Credit Union CD Rates
Seaboard Federal Credit Union Savings Rates
Seaboard Federal Credit Union Money Market Rates
Seaboard Federal Credit Union Checking Rates
Seaboard Federal Credit Union Mortgage Rates
Seaboard Federal Credit Union Home Equity & HELOC
Seaboard Federal Credit Union Auto Loan Rates
Seaboard Federal Credit Union Student Loan Rates
Seaboard Federal Credit Union Credit Card Rates
Seaboard Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Seaboard Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Seaboard Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Seaboard Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Seaboard Federal Credit Union
Website
https://www.seaboardfcu.com
Address
177 Main St,
Bucksport, ME 04416
Phone
207-469-6341
Fax
207-469-2866
President
Tony Manzo
CEO
Kyle Casburn
Full-Time Employees
35
Part-Time Employees
3
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.20%
Return on Assets (ROA)
0.3779%
Return on Equity (ROE)
4.3237%
Non-Performing Loans Ratio (NPL)
1.47%
Total Assets
235,603,808
Total Amount of Shares and Deposits
210,776,419
Total Shares and Deposits < 1 Year
185,105,215
Total Shares and Deposits 1 3 Years
20,253,410
Total Shares and Deposits > 3 Years
5,417,794
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,838,385
Total Uninsured Shares and Deposits > $250K (F+J)
9,838,385
Total Insured Shares and Deposits > $250K (item 17 less item K)
200,938,034
Total Interest Expense (Sum of items 6 8)
3,289,381
Share Certificates
1,696
Number of Accounts for Share Drafts
7,571
IRA KEOGH Accounts
805
Number of Accounts for Regular Shares
17,051
All other shares
146
Money Market Shares
1,167
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,744,243
Total Liabilities
215,397,396
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Seaboard Federal Credit UnionIs Seaboard Federal Credit Union a safe place to deposit money?Yes, Seaboard Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.204607642779%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Seaboard Federal Credit Union operate?Seaboard Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Seaboard Federal Credit Union?Yes, to access services at Seaboard Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Seaboard Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Seaboard Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Seaboard Federal Credit Union offer online and mobile banking?Most modern institutions like Seaboard Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.seaboardfcu.com. Current Seaboard Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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