Sea Air Federal Credit Union

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

Boat

• 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

RV

• 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.

Tailored Mortgage Solutions

We're dedicated to turning your homeownership dreams into reality. Our mission is to support you, your family, and your community with personalized mortgage solutions designed just for you. We offer competitive rates, flexible terms, and exceptional customer service, ensuring your journey to owning a home is smooth and fulfilling. Trust us to be your guide and make your dream home a reality!

Unlock your path to homeownership with our unbeatable mortgage options:

• First Time Homebuyer Programs: Specially designed to make your first purchase easy and affordable.
• Down Payment Assistance: Get the support you need to cover your down payment.
• FHA loans: Start with as little as 3.5% down.
• VA Loans with up to 100% financing.
• Conventional Loans: Enjoy fixed rates with down payments as low as 3% to 97%.
• Refinance Your Mortgage: Lower your monthly payments or access your home’s equity.
• Senior Home Loans: Tailored for those 62 and older to make homeownership accessible.
• Investment Properties: Financing for properties with 1 to 4 units.

Ready to start your journey? Learn more and apply today to see how we can help make your homeownership dreams come true!

Is your mortgage loan being serviced by Colonial Savings, F.A.? 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

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.

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