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

Savings Rates

Type Dividend Rate Annual Percentage Yield
Savings
Minimum Balance $5		 0.25% 0.25%
Checking
Minimum Balance $0		 0.00% *1 0.00%
Money Market
Minimum Balance $2500		 2.86% 2.90%
Health Savings Account
Minimum Balance $0		 2.86% 2.90%
Christmas Club
Minimum Balance $0		 0.25% *2 0.25%
IRA
Minimum Balance $5		 2.86% 2.90%
Rates Effective 10/01/2026
  • 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 3.05% 3.55% 3.60% 3.70% 3.75% 3.75% 3.80% 3.95%
Minimum Balance $500 APY* 3.09% 3.61% 3.66% 3.76% 3.82% 3.82% 3.87% 4.02%
Business Certificate Div. Rate 3.05% 3.55% 3.60% 3.70% 3.75% 3.75% 3.80% 3.95%
Minimum Balance $500 APY* 3.09% 3.61% 3.66% 3.76% 3.82% 3.82% 3.87% 4.02%
IRA Certificate Div. Rate 3.05% 3.55% 3.60% 3.70% 3.75% 3.75% 3.80% 3.95%
Minimum Balance $500 APY* 3.09% 3.61% 3.66% 3.76% 3.82% 3.82% 3.87% 4.02%
HSA Certificate Div. Rate 3.05% 3.55% 3.60% 3.70% 3.75% 3.75% 3.80% 3.95%
Minimum Balance $500 APY* 3.09% 3.61% 3.66% 3.76% 3.82% 3.82% 3.87% 4.02%
Premium Certificate Div. Rate 3.15% 3.65% 3.70% 3.80% 3.85% 3.85% 3.90% 4.05%
Minimum Balance $100,000 APY* 3.20% 3.71% 3.76% 3.87% 3.92% 3.92% 3.97% 4.13%
Premium IRA Certificate Div. Rate 3.15% 3.65% 3.70% 3.80% 3.85% 3.85% 3.90% 4.05%
Minimum Balance $100,000 APY* 3.20% 3.71%

3.76%

 3.87% 3.92% 3.92% 3.97% 4.13%
Rates Effective 10/01/2026* 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.