Auto Loan

With our auto loans, we offer competitive rates and a variety of terms for our members who are purchasing or financing a new or used auto. You can purchase your new or used auto with our free car buying service powered by AutoSMART.

  • 100% financing available
  • Up to 84 months terms

Motorcycle & Power Sports/Boat/RV

We offer competitive rates, terms and affordable payments for motorcycle, boat or RV loans - one of which is sure to be right for you.

Motorcycle & Power Sports

  • 90% financing for new motorcycles / power sports* plus tax and license
  • 100% of retail value for used motorcycles / power sports* plus tax and license
  • Up to 72 months terms


  • 85% financing available on new boats
  • 75% financing for used boat
  • Up to 180 months terms
  • Marine Survey is required on loan amounts $7,500 or over
  • Maximum advance not to exceed survey's lowest valuation


  • Includes motor homes, campers and trailers
  • 80% of purchased price for new RVs
  • 100% of low Kelly Blue Book Value for used RVs
  • Up to 180 months terms

*Power Sports are recreational toys that include: snow vehicles, off-road vehicles, GEM Electric, slingshots, etc.


Mortgage Purchase/Refinance(NMLS#802376)

Our mission is to help individuals and families achieve their dreams of homeownership by providing tailored mortgage lending solutions. With our expertise and personalized approach, we guide our clients through the mortgage process, offering competitive rates, flexible terms, and exceptional customer service. Trust us to make your homeownership journey smooth and rewarding.

  • First Time Homebuyer Programs
  • Down Payment Assistance
  • FHA loans as low as 3.5% down and , VA up to 100% financing
  • Traditional Conventional Loans up to 97% fixed rate
  • Refinance Existing Mortgage
  • Senior Home Loans for 62 and older
  • Investment Properties (1-4 Units)
  • Seller contributions up to 6% are allowed depending on your program
  • Learn more and apply

Loan with CU Members Mortgages? Click here to make payments!

Home Equity (Owner Occupied)

  • No points
  • No pre-payment penalties
  • Owner occupied
  • Closed end loan
  • Advance: 80% of approved appraisal value less balance on the 1st TD if applicable
  • Terms: 60-180 months
  • Maximum amount financed: $250,000

Apply Now

Home Equity (Non-Owner Occupied)

  • No points
  • No pre-payment penalties
  • Closed end loan
  • Advance: 70% of approved appraisal value less encumbrance and clear of all liens
  • Terms: 60-144 months
  • Maximum amount financed: $250,000

Apply Now


Undergraduate Student Loan

Our Student Choice private loan solution is designed to fill the funding gaps that may exist after all lower-cost sources of aid (including scholarships, grants, and federal Direct Subsidized and Unsubsidized loans) have been exhausted.

  • Lower Interest rates
  • No origination or prepayment penalties
  • Flexible payments and in-school deferment options
  • Easy online application and approval
  • Convenient line of credit structure that lets you apply once and secure financing for your entire college career

Learn More

Apply Now

Student Loan Video

Student Loan Refinance

Take control of your student loan debt with a Student Choice Refinance Loan from Sea Air Federal Credit Union. You'll be able to refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment, and lower interest rate.

  • Competitive interest rate
  • No origination fees and prepayment penalties
  • 5-, 10- and 15- year repayment term options
  • Refinancing available up to $50,000

Learn More about Student Refinance

Apply Now


Signature Loan

The Sea Air Signature Loan is an affordable way to help you cover expenses - education, medical procedures, vacation, etc. For some members, it is preferred over a credit card because of its fixed monthly payment and term so you know exactly when it will be paid off.

  • Loans up to $15,000
  • Up to 60 months terms

Line of Credit (LOC)

The Overdraft Line of Credit (LOC) protects your account from returned checks and basic math mishaps. You also have the flexibility of using your available line of credit to cover other emergencies simply by transferring funds to your checking account.

  • Open-end line of credit
  • Minimum line of credit is $500.00
  • Can be used as overdraft protection

Loan 360

  • Alternative to payday loan
  • Account in good standing
  • Direct Deposit
  • NO credit report and NO income verification required
  • Amount: $300
  • 6 months term
  • NO rollovers or extensions allowed

Share Secured Loan

A Share Secured Loan is a great way to build, or rebuild your credit. By using your personal assets from your savings account as collateral, you can access lower interest rates and better borrowing options.

  • Borrow up to 90% of available shares
  • Minimum loan amount: $500
  • Up to 60 months terms
  • Guaranteed loan

Certificate Secured Loan

With a Certificate Secured loan you can borrow the funds you need at a low rate while using your certificate as collateral.

  • Borrow up to 90% of face value of certificate
  • Optional monthly loan payments available
  • Loan must be paid in full on certificate maturity date

Visa® Credit Cards

Sea Air FCU offers a variety of credit cards so you can choose the card that is right for your spending style. Don't forget to register your credit card as the default card on your favorite shopping sites for easy shopping and saving.

  • Affinity
    • Earn points for everyday purchases and redeem them for cash back or other rewards
    • Supports the USA Water Polo organization with every purchase.
  • Platinum
    • Earn points for everyday purchases and redeem them for cash back or other rewards
  • Classic
    • Assists in establishing your credit
  • Secured Classic Card
    • Helps strengthen and rebuild your credit
    • A Share Secured credit card is backed by a cash deposit you make at the time of the account opening. Access to that deposit is held until the credit card is closed and the balance is paid in full.

Additional Credit Card Features and Benefits

  • Visa is accepted world-wide, which means quick zero-hassle purchases
  • 24/7 access to live agent phone support
  • Manage your accounts with Sea Air FCU's Online Banking or Mobile App
  • Zero liability fraud protection
  • Fraud notifications and monitoring
  • Control and monitor your card activity with the free SecurLOCK™ Equip mobile app
Savings, Discounts, and more
  • No annual fee
  • No balance transfer fees
  • Earn rewards on everyday purchases


Car Buying

Your Sea Air membership is all about saving you time and money. With Sea Air Federal Credit Union's Car Buying Service, powered by AutoSMART, you'll find special member pricing, research information, and dealers that will save you money on the car you are looking for. You can even check to see how much your trade-in might be worth!

Click here to learn more about this great service.


GAP - Guaranteed Asset Protection Plus

This is an optional benefit that gives you peace of mind and protects your vehicle as an investment, not just its value. GAP is a supplemental coverage and does not replace your standard Comprehensive, Collision and Liability coverage, but enhances them with these features:

  • GAP covers the gap between the vehicle's value and the amount you still owe in the event the vehicle is totaled or stolen and not recovered.
  • GAP provides an additional $1,000 toward the financing of a replacement vehicle when financed with the credit union.

Mechanical Breakdown Protection

Mechanical Breakdown Protection provides protection against the high cost of vehicle repairs on both new and used vehicles after the manufacturer's warranty has expired. When you purchase Mechanical Breakdown Protection from Sea Air FCU, you'll receive a special member pricing compared to a dealership.

  • Provides protection from unexpected costly repairs
  • Repairs done at any licensed U.S. or Canadian repair facility
  • Various claims and one deductible per visit

Debt Protection

An unexpected job loss, death or disability could prevent you from making your loan payments. Debt Protection can help by canceling all or part of the debt should the unexpected happen.

  • Life Plus/Disability/Unemployment
  • Disability/Unemployment
  • Life Plus/Disability
  • Life Plus