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Sea Air Federal Credit Union

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Sea Air Federal Credit Union Rates & Review July 2026

Q: Is a member application needed to join Sea Air Federal Credit Union?

Yes, to access services at Sea Air Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sea Air Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 14, 2026

Sea Air Federal Credit Union's Personal Loan Rates are at 9.25%. MonitorBankRates evaluates the financial stability of Sea Air Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates were last updated on 07/14/2026.

Sea Air Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sea Air Federal Credit Union? Share your experience about Sea Air Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sea Air Federal Credit Union.

Ranked #97 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.36%

Excellent Lower than avg

Sea Air Federal Credit Union
Seal Beach

800 Seal Beach Blvd Bldg 12
Seal Beach, CA 90740

https://www.seaairfcu.org

Sea Air Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.25%
Details As low as Last Updated 07/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Sea Air Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	7.90%
Details As low as Last Updated 07/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Sea Air Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	9.25%
Details As low as Last Updated 07/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sea Air Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sea Air Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sea Air Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sea Air Federal Credit Union

Website https://www.seaairfcu.org

Address 800 Seal Beach Blvd Bldg 12, Seal Beach, CA 90740

Phone 888-732-2471

Fax 562-430-3921

President Lawrence Jorgenson

CEO Michael Pardon

Full-Time Employees 16

Part-Time Employees 1

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.36%

Return on Assets (ROA)

-0.7188%

Return on Equity (ROE)

-2.9817%

Non-Performing Loans Ratio (NPL)

0.22%

Total Assets

118,267,546

Total Amount of Shares and Deposits

89,705,245

Total Shares and Deposits < 1 Year

79,660,197

Total Shares and Deposits 1 3 Years

9,016,313

Total Shares and Deposits > 3 Years

1,028,736

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,934,326

Total Uninsured Shares and Deposits > $250K (F+J)

3,934,326

Total Insured Shares and Deposits > $250K (item 17 less item K)

85,770,919

Total Interest Expense (Sum of items 6 8)

1,193,676

Share Certificates

463

Number of Accounts for Share Drafts

2,476

IRA KEOGH Accounts

443

Number of Accounts for Regular Shares

6,492

Money Market Shares

508

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,978,613

Total Liabilities

90,667,158

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Sea Air Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #97 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Sea Air Federal Credit Union

How many branches does Sea Air Federal Credit Union operate?

Sea Air Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sea Air Federal Credit Union?

Yes, to access services at Sea Air Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sea Air Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sea Air Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sea Air Federal Credit Union offer online and mobile banking?

Most modern institutions like Sea Air Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.seaairfcu.org.