Skip to Page Content Skip to Footer
Seaboard Federal Credit Union - The smart place for your money!
Not A Member? Join Today!
Online Banking Login
Enroll Now
Forgot Username?

Savings Rates

Type Dividend Rate Annual Percentage Yield
Savings
Minimum Balance $5		 0.35% 0.35%
Checking
Minimum Balance $0		 0.00% *1 0.00%
Money Market
Minimum Balance $2500		 2.96% 3.00%
Health Savings Account
Minimum Balance $0		 2.96% 3.00%
Christmas Club
Minimum Balance $0		 0.35% *2 0.35%
IRA
Minimum Balance $5		 2.96% 3.00%
Rates Effective 05/01/2025
  • 1 $25 minimum deposit required to open a Checking account. When dividends are available, Average Daily Balances below $500 do not earn any dividends.
  • 2 Automatically transferred to Savings on Sept 30th
Type &
Minimum Balance		 Period (Months)
3 6 12 18 24 36 48 60
Certificate Div. Rate 3.00% 3.60% 3.70% 3.75% 3.75% 3.50% 3.50% 3.55%
Minimum Balance $500 APY* 3.04% 3.66% 3.76% 3.82% 3.82% 3.56% 3.56% 3.61%
Business Certificate Div. Rate 3.00% 3.60% 3.70% 3.75% 3.75% 3.50% 3.50% 3.55%
Minimum Balance $500 APY* 3.04% 3.66% 3.76% 3.82% 3.82% 3.56% 3.56% 3.61%
IRA Certificate Div. Rate 3.00% 3.60% 3.70% 3.75% 3.75% 3.50% 3.50% 3.55%
Minimum Balance $500 APY* 3.04% 3.66% 3.76% 3.82% 3.82% 3.56% 3.56% 3.61%
HSA Certificate Div. Rate 3.00% 3.60% 3.70% 3.75% 3.75% 3.50% 3.50% 3.55%
Minimum Balance $500 APY* 3.04% 3.66% 3.76% 3.82% 3.82% 3.56% 3.56% 3.61%
Premium Certificate Div. Rate 3.10% 3.70% 3.80% 3.85% 3.85% 3.60% 3.60% 3.65%
Minimum Balance $100,000 APY* 3.14% 3.76% 3.87% 3.92% 3.92% 3.66% 3.66% 3.71%
Premium IRA Certificate Div. Rate 3.10% 3.70% 3.80% 3.85% 3.85% 3.60% 3.60% 3.65%
Minimum Balance $100,000 APY* 3.14% 3.76% 3.87% 3.92% 3.92% 3.66% 3.66% 3.71%
Rates Effective 4/23/2025* All savings rates quoted as annual percentage yields.
  • ** If the term of a certificate is 18 months or less, the forfeiture is an amount equal to one month of dividends, whether earned or not. If the term of a certificate is more than 18 months, the forfeiture is an amount equal to six months of dividends, whether earned or not.
  • *** Rates subject to change without a notice.
  • **** Fees could reduce the earnings on an account.