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Sea Air Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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 and Verified: October 12, 2026

Sea Air Federal Credit Union's top rates as of October 12, 2026 are 3.77% APY on its 5 Year Business CDs CD, 0.01% APY on savings, 2.02% APY on money market accounts, 4.08% APY on checking, personal loans from 10.25% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Sea Air Federal Credit Union CD rates include 5 Year CD at 3.77%, 4 Year Business CDs at 3.72%, and 4 Year CD at 3.72%. MonitorBankRates evaluates the financial stability of Sea Air Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.00%. Rates last updated and verified on 10/12/2026.

Sea Air 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 Sea Air Federal Credit Union? Share your experience about Sea Air Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sea Air Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.00%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Sea Air Federal Credit Union
Seal Beach
800 Seal Beach Blvd Bldg 12
Seal Beach, CA 90740
https://www.seaairfcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sea Air Federal Credit Union CD Rates

Product Rate APY Term View More
5 Year Share Certificate 3.70% 3.77% 5 Years
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 12, 2026 · 3.56% → 3.77% ▲ 0.21 pts · high 3.77% / low 3.56%
3.06%3.67%4.27%Sep 12, 2026: 3.56% APYSep 17, 2026: 3.61% APYOct 8, 2026: 3.77% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.77%▲ from 3.61%
  • Sep 17, 20263.61%▲ from 3.56%
  • Sep 12, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
4 Year Share Certificate 3.65% 3.72% 4 Years
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 12, 2026 · 3.51% → 3.72% ▲ 0.21 pts · high 3.72% / low 3.51%
3.01%3.62%4.22%Sep 12, 2026: 3.51% APYSep 17, 2026: 3.56% APYOct 8, 2026: 3.72% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.72%▲ from 3.56%
  • Sep 17, 20263.56%▲ from 3.51%
  • Sep 12, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
3 Year Share Certificate 3.60% 3.67% 3 Years
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 12, 2026 · 3.46% → 3.67% ▲ 0.21 pts · high 3.67% / low 3.46%
2.96%3.57%4.17%Sep 12, 2026: 3.46% APYSep 17, 2026: 3.51% APYOct 8, 2026: 3.67% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.67%▲ from 3.51%
  • Sep 17, 20263.51%▲ from 3.46%
  • Sep 12, 20263.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
1.5 Years 1.5 Year Share Certificate 3.55% 3.61% 1.5 Years
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
2 Year Share Certificate 3.55% 3.61% 2 Years
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 12, 2026 · 3.41% → 3.61% ▲ 0.20 pts · high 3.61% / low 3.41%
2.91%3.51%4.11%Sep 12, 2026: 3.41% APYSep 17, 2026: 3.46% APYOct 8, 2026: 3.61% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.61%▲ from 3.46%
  • Sep 17, 20263.46%▲ from 3.41%
  • Sep 12, 20263.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
2.5 Years 2.5 Year Share Certificate 3.55% 3.61% 2.5 Years
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
1 Year Share Certificate 3.50% 3.56% 1 Year
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 12, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 12, 2026: 3.30% APYSep 17, 2026: 3.36% APYOct 8, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.56%▲ from 3.36%
  • Sep 17, 20263.36%▲ from 3.30%
  • Sep 12, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
6 - 11 Month Share Certificate 3.45% 3.51% 6-11 Months
Min Deposit $1,000
Min Balance $1,000
Details APY assumes dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
1 change since Oct 4, 2026 · 3.36% → 3.51% ▲ 0.15 pts · high 3.51% / low 3.36%
2.86%3.43%4.01%Oct 4, 2026: 3.36% APYOct 8, 2026: 3.51% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.51%▲ from 3.36%
  • Oct 4, 20263.36%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Business CD Rates

Product Rate APY Term View More
5 Year Business Share Certificates 3.70% 3.77% 5 Years
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.77% APY
3.27%3.77%4.27%Oct 12, 2026: 3.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
4 Year Business Share Certificates 3.65% 3.72% 4 Years
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 12, 2026: 3.72% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
3 Year Business Share Certificates 3.60% 3.67% 3 Years
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 12, 2026: 3.67% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
1.5 Years 1.5 Year Business Share Certificates 3.55% 3.61% 1.5 Years
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
2 Year Business Share Certificates 3.55% 3.61% 2 Years
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
2.5 Years 2.5 Year Business Share Certificates 3.55% 3.61% 2.5 Years
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 12, 2026: 3.61% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
1 Year Business Share Certificates 3.50% 3.56% 1 Year
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
6 - 11 Month Business Share Certificates 3.45% 3.51% 6-11 Months
Min Deposit $1,000
Min Balance $1,000
Details APY based on assumption that dividends remain on deposit until maturity; early withdrawal penalty may apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 12, 2026: 3.51% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.25% 0.25%
Min Deposit $1
Min Balance $1
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 12, 2026: 0.25% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Business Savings Rates

Product Rate APY View More
Business Savings - Regular Shares 0.01% 0.01%
Min Deposit $5
Min Balance $50
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.01% APY
0.00%0.26%0.51%Oct 12, 2026: 0.01% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 2.00% 2.02%
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000 tier minimum
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 12, 2026: 2.02% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 1.75% 1.77%
Min Deposit $20,000
Min Balance $20,000
Details Balance: $20,000 tier minimum
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.77% APY
1.27%1.77%2.27%Oct 12, 2026: 1.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 1.25% 1.26%
Min Deposit $1,000
Min Balance $1,000
Details Balance: $1,000 tier minimum
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 12, 2026: 1.26% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market 2.00% 2.02%
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 12, 2026: 2.02% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Business Money Market 1.75% 1.77%
Min Deposit $20,000
Min Balance $20,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.77% APY
1.27%1.77%2.27%Oct 12, 2026: 1.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Business Money Market 1.25% 1.26%
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 12, 2026: 1.26% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Checking Rates

Product Rate APY View More
Checking Accounts 4.00% 4.08%
Min Deposit $1
Min Balance $1
Details Qualifications Required; Dividends based on Flexible Rewards Program
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 12, 2026: 4.08% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity (Non-Owner Occupied) - - 7.50% Up to 60 months
Details Amounts: 70% of approved appraisal, less encumbrance and clear of all liens. ($5,000-$200,000)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Home Equity (Non-Owner Occupied) - - 8.00% 61-84 months
Details Amounts: 70% of approved appraisal, less encumbrance and clear of all liens. ($5,000-$200,000)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Home Equity (Non-Owner Occupied) - - 8.50% 85-144 months
Details Amounts: 70% of approved appraisal, less encumbrance and clear of all liens. ($5,000-$200,000)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles - 80% Financing - - 5.25% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.25% APR · checked 3 times
4.75%5.25%5.75%Sep 25, 2026: 5.25% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
New Vehicles - 90% Financing - - 5.50% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 25, 2026: 5.50% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Premier Used Vehicles - Previous Two Model Years Loan - - 5.50% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 25, 2026: 5.50% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Standard Used Vehicles - 2025 and 2024 Loan - - 5.75% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Sep 25, 2026: 5.75% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Standard Used Vehicles - 2023 Loan - - 6.00% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 25, 2026: 6.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Standard Used Vehicles - 2022, 2021, 2020 Loan - - 6.50% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 25, 2026: 6.50% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Standard Used Vehicles - 2019 and 2018 Loan - - 7.00% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 25, 2026: 7.00% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Standard Used Vehicles - 2017 and older Loan - - 7.50% Up to 96 months
Details Base Rate; 96-month term requires minimum loan amount of $41,000 and adds 1% premium
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 7.50% APR · checked 3 times
7.00%7.50%8.00%Sep 25, 2026: 7.50% APRSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle & Power Sports - New Loan - 9.00% Up to 48 months
Details Base Rate; Amount: 90% of purchase price plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 2 times
8.50%9.00%9.50%Sep 17, 2026: 9.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Motorcycle & Power Sports - New Loan - 9.25% Up to 60 months
Details Base Rate; Amount: 90% of purchase price plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 9.25% APR · checked 2 times
8.75%9.25%9.75%Sep 17, 2026: 9.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Motorcycle & Power Sports - New Loan - 9.50% Up to 72 months
Details Base Rate; Amount: 90% of purchase price plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 9.50% APR · checked 2 times
9.00%9.50%10.00%Sep 17, 2026: 9.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Boats - New Loan - 10.25% Up to 180 months
Details Base Rate; Amount: 85% of purchase price plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 12, 2026: 10.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Motorcycle & Power Sports - Used Loan - 10.25% Up to 48 months
Details Base Rate; Amount: 100% of retail value plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 10.25% APR · checked 2 times
9.75%10.25%10.75%Sep 17, 2026: 10.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Recreational Vehicles - New Loan - 10.25% Up to 180 months
Details Base Rate; Amount: 80% of purchase price plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.25% APR · checked 7 times
9.75%10.25%10.75%Sep 12, 2026: 10.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Motorcycle & Power Sports - Used Loan - 10.75% Up to 60 months
Details Base Rate; Amount: 100% of retail value plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 10.75% APR · checked 2 times
10.25%10.75%11.25%Sep 17, 2026: 10.75% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Recreational Vehicles - Used Loan - 10.75% Up to 180 months
Details Base Rate; Amount: 100% of low Kelley Blue Book value
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.75% APR · checked 7 times
10.25%10.75%11.25%Sep 12, 2026: 10.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Boats - Used Loan - 11.25% Up to 180 months
Details Base Rate; Amount: 75% of purchase price plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 11.25% APR · checked 7 times
10.75%11.25%11.75%Sep 12, 2026: 11.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Motorcycle & Power Sports - Used Loan - 11.25% Up to 72 months
Details Base Rate; Amount: 100% of retail value plus tax and license
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 11.25% APR · checked 2 times
10.75%11.25%11.75%Sep 17, 2026: 11.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Affinity - 7.90%
Details Published APR range: 7.90% to 17.90%.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.90% APR
7.40%7.90%8.40%Oct 12, 2026: 7.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Visa Platinum - 10.90%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.90% APR
10.40%10.90%11.40%Oct 12, 2026: 10.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Secured Visa - 12.90%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 12.90% APR · checked 8 times
12.40%12.90%13.40%Sep 12, 2026: 12.90% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Visa Classic - 12.90%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 12.90% APR
12.40%12.90%13.40%Oct 12, 2026: 12.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 10.25% Up to 60 months
Details Base Rate; Payment per $1,000 borrowed at 10.25% APR for 18 months = $60.17.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.25% APR · checked 8 times
9.75%10.25%10.75%Sep 12, 2026: 10.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Rates for Signature - Loan 360 Loan 15.00% 6 months
Details Terms: 6 months
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 15.00% APR · checked 8 times
14.50%15.00%15.50%Sep 12, 2026: 15.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Sea Air Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Emergency Fund (Save to Win) 3.25% - 3.30%
Min Deposit $1
Min Balance $400
Details Maximum balance is $25,000; no additional deposits accepted; limited to 2 withdrawals per month
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 12, 2026: 3.30% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Shares 0.15% - 0.15%
Min Deposit $50
Min Balance $50
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Kids Account (0-12) 0.01% - 0.01%
Min Deposit $5
Min Balance $50
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 12, 2026: 0.01% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Regular Shares 0.01% - 0.01%
Min Deposit $5
Min Balance $50
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 12, 2026: 0.01% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Teen Account (13-18) 0.01% - 0.01%
Min Deposit $5
Min Balance $50
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 12, 2026: 0.01% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Trusts 0.01% - 0.01%
Min Deposit $0
Min Balance $50
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 12, 2026: 0.01% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Sea Air Federal Credit Union’s Texas Ratio rose from 1.48% in Q3 2023 to 3.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.6% 2.0★ 3.1% 3.0★ 4.7% 4.0★ 6.3% 5.0★ Healthy zone – entire history below the 15% limit 1.48% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$119M3.00%5.0A+
March 31, 2026$118M3.09%5.0A+
December 31, 2025$117M4.66%5.0A+
September 30, 2025$118M0.36%5.0A+
June 30, 2025$119M0.51%5.0A+
March 31, 2025$122M1.22%5.0A+
December 31, 2024$122M2.57%5.0A+
September 30, 2024$122M2.63%5.0A+
June 30, 2024$122M1.09%5.0A+
March 31, 2024$123M3.28%5.0A+
December 31, 2023$125M3.25%5.0A+
September 30, 2023$128M1.48%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Sea Air 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 Sea Air 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 Sea Air Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sea Air Federal Credit Union
Website https://www.seaairfcu.org
Address 800 Seal Beach Blvd Bldg 12, Seal Beach, CA 90740
Phone 888-732-2471
Fax 562-430-3921
President Lawrence Jorgenson
CEO Michael Pardon
Full-Time Employees 15
Part-Time Employees 1
Branch Locations 3
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
3.00%
Return on Assets (ROA)
-0.3429%
Return on Equity (ROE)
-1.4660%
Non-Performing Loans Ratio (NPL)
1.87%
Total Assets
118,827,940
Total Amount of Shares and Deposits
90,814,229
Total Shares and Deposits < 1 Year
81,462,392
Total Shares and Deposits 1 3 Years
7,688,351
Total Shares and Deposits > 3 Years
1,663,486
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,568,611
Total Uninsured Shares and Deposits > $250K (F+J)
4,568,611
Total Insured Shares and Deposits > $250K (item 17 less item K)
86,245,618
Total Interest Expense (Sum of items 6 8)
740,120
Share Certificates
463
Number of Accounts for Share Drafts
2,476
IRA KEOGH Accounts
417
Number of Accounts for Regular Shares
6,548
Money Market Shares
572
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,878,351
Total Liabilities
91,965,985
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Sea Air Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/sea-air-federal-credit-union-rates-review-7817">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Sea Air Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Sea Air Federal Credit Union

How many branches does Sea Air Federal Credit Union operate?

Sea Air 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 Sea Air Federal Credit Union?

Yes, to access services at Sea Air 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, Sea Air 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, Sea Air Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sea Air Federal Credit Union offer online and mobile banking?

Most modern institutions like Sea Air 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.seaairfcu.org.

Current Sea Air Federal Credit Union Rates

  • 12-Month CD3.51%
  • 24-Month CD3.61%
  • 60-Month CD3.61%
  • Savings0.01%
  • MMA2.02%
Retrieved from our database of financial products. Rates subject to change.

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