Sea Air Federal Credit Union

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

Save to Win^® Emergency Savings Account

Secure your future with our Save to Win^® Emergency Savings Account. Designed to help you build a financial safety net, this account not only offers dividends on your savings but also gives you the chance to win exciting cash prizes. For every $25 increase in your monthly balance, you'll earn an entry into our thrilling prize drawings. The more you save, the better your chances of winning!

• Build Savings Effortlessly: Watch your savings grow with regular deposits.
• Minimum deposit required to open an account: $1.00
• Minimum balance required to earn dividends: $400.00
• Unlimited Entries: Earn 1 entry for every $25 increase in your balance, up to 100 entries per month.
• Monthly, Quarterly, and Annual Drawings: Raffles held throughout the year to maximize your chances of winning.

*Complete Truth-In-Savings Disclosure. Frequently Asked Questions

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

Certificate

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.
Requirements:

• 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™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-AD42

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.

TruStage™ Life Insurance is issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, and other leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. All guarantees are based on the claims-paying ability of the insurer. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage GEN-2947101.3

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.

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA's marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

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