Personal Loans

Borrow smarter. Reach your goals.

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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.

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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

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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

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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

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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

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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

Personal Loan Calculator

Monthly Payment: $0.00