Regular Share

Membership at Sea Air Federal Credit Union begins with a Share Account.

This share account ensures your part ownership with Sea Air Federal Credit Union and gives you voting privileges at our Annual Meeting. From here, you have access to all other credit union services and benefits - all to keep you financially fit.

  • Minimum deposit required to open an account: $5.00
  • Minimum balance required to earn dividends: $50.00

Money Market

Money Market accounts provide flexibility with higher dividends. Your funds are liquid and available when you need them.

  • Short term, liquid investment that pays dividends
  • Tiered rates
  • Up to 3 withdrawals per month

Holiday Club

Start saving for holiday expenses with Sea Air's Holiday Club! Set up automatic deposit via payroll deduction or transfer from your account to build your balance so you have the funds ready for your holiday shopping.

  • Set up automatic deposits: weekly, bi-weekly, semi-monthly or monthly
  • Funds are mailed or deposited into your Sea Air share/checking account around the first week of November

Kids Club/Kirby Kangaroo*

It's never too early to start learning about financial responsibility and encouraging saving habits. The Kirby Kangaroo Club is the perfect account for kids age 12 and under. Parents or guardians can help kids open their account with a deposit of $5 or more.

Learn More

Claim Your Youth*

Claim Your Youth account is for members between the ages of 13-17 to help our young members learn to save, prepare for the future, or plan for college. Minimum deposit required to open an account is $5.

Learn More

*Earn some extra birthday cash! Mention the phrase "Birthday Match" when you make a deposit into one of these accounts one week before or after the young member's birthday and we'll match that deposit up to $25!



Certificates are a great option if you have a lump sum of money that you would like to earn higher interest. We offer a variety of terms from 6 to 60 months.

Jumbo Certificate

The Jumbo certificate requires a minimum $50,000 deposit and offers a higher rate of return. Terms vary from 6 to 60 months.

Trust Share

  • Same features as our Regular Share Account
  • Account held in the name of the Trust
  • Must complete a Trust Account Agreement/Application

Totten Trust

A "Totten Trust" is a payable-on-death (POD) account. The owner simply names a beneficiary who will inherit the funds if the account holder passes away. This account does not need to go through probate, and the beneficiary can easily claim the funds.

  • Investment account; only shares, money market or certificates allowed
  • Member/Trustee uses their own Social Security Number
  • Trustee can change beneficiary(ies) or close account
  • No minimum balance required
  • Must complete and sign Totten Trust Agreement


Traditional IRA

A traditional IRA is a way to save for retirement that gives you tax advantages. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances. Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed.

  • Retirement savings
  • Minimum of $50.00 to open
  • Deposit up to the limits set by the IRS

Click here to start and manage your IRA accounts.

Roth IRA

A Roth IRA is a special retirement account where you have already paid taxes on money going into your account. All future withdrawals are tax free if you meet the 5 year rule and have reached the age of 59 1/2. You can contribute to a Roth IRA at any age as long as you have earned income from a job.

Click here to start and manage your IRA accounts.


We offer 2 checking account options, one of which is sure to fit your needs. Both accounts feature:

  • No monthly maintenance fees
  • No minimum balance requirements
  • Online Bill Pay
  • Free Debit Card
  • Overdraft line of credit availability (subject to credit approval)
  • Surcharge-free access to nearly 30,000 CO-OP ATMs and 5,000+ shared branches
  • Earn points on everyday purchases and redeem for cash back or other rewards
  • Personalized Debit Card

Free Checking

This simple and straightforward checking account is perfect for your everyday banking needs.

Flexible Rewards Checking

This account lets you earn monthly dividends and ATM fee reimbursement up to $25 per month.

  • eStatements
  • At least 10 debit card transactions per month
  • Direct Deposit

Overdraft Protection for your Checking Account

There are three easy ways to protect your account:

  • Savings to checking
  • Line of Credit
  • Courtesy Pay


TruStage™ Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service. If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1.855.483.2149.

TruStage™ Life Insurance

We make TruStage™ Life Insurance policies available to help credit union members like you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget - because any amount of coverage can make a difference.

Call 1.800.814.2914 for more information or get a quote today.

ASPCA® Pet Health Insurance Plans

We're proud to partner with ASPCA Pet Health Insurance Plans to help provide quick and simple health insurance to provide top-notch protection for your four-legged friends if they unexpectedly get hurt or sick. You'll have the financial support you need to make the right decisions for you and their quality of life. Plus, you could save up to 10% with your Sea Air FCU member discount.*

Get your free quote today or call 1.866.204.6764 for more details.



Share Account

Your Business Share account is required for membership. Dividends are compounded and paid quarterly.

Share Certificate

Certificates are available in a variety of terms from 6 to 60 months.

  • Various types of high yield certificates available


Checking Account

Owning your own business requires a checking account that performs for you while you take care of other matters. The Sea Air business checking is behind you all the way with money saving features.


Money Market Account

Money Market accounts provide flexibility with higher dividends. Your funds are liquid and available when you need them.

  • Short term, liquid investment that pays dividends
  • Tiered rates
  • Up to 3 withdrawals per month