Personal Loans
Borrow smarter. Reach your goals.
Life doesn’t always follow the budget. Whether you need to cover medical bills, take a dream vacation, fix the car, or just get through an unexpected expense, Sea Air FCU has personal loan options that give you flexibility, fair rates, and peace of mind.
Signature Loan
A straightforward way to borrow for almost anything—education, medical, vacation, or unexpected bills.
Borrow up to $15,000
Terms up to 60 months
Fixed monthly payments for easy budgeting
Line of Credit (LOC)
Ongoing access to funds when you need them most, with the added bonus of overdraft protection.
Open-end line of credit — reuse as you pay down
Minimum line of credit: $500
Link to your checking account for overdraft protection
Transfer funds anytime for extra flexibility
Max LOC amount of $5000
Loan 360
A safer, lower-cost alternative to payday loans for quick, small-dollar needs.
Borrow $300
6-month term — predictable, short payoff
No credit check or income verification required
Must have direct deposit and an account in good standing
No rollovers or extensions — clear path to payoff
Share Secured Loan
Secure financing without depleting your savings. You can also use to build or rebuild credit.
Borrow up to 90% of your savings balance
Minimum loan: $500
Terms up to 60 months
Great way to establish credit or qualify for lower rates
Certificate Secured Loan
Leverage your certificate without cashing it in early.
Borrow up to 90% of your certificate’s value
Optional monthly loan payments available
Loan must be repaid by the certificate’s maturity date
Keep earning dividends on your certificate while borrowing at a low rate