|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Seaboard Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
Seaboard Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Seaboard Federal Credit Union, and you can see how they compare in the Seaboard Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Seaboard Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.46%. Database rates last updated and verified on 09/23/2026. Seaboard 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 Seaboard Federal Credit Union? Share your experience about Seaboard Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Seaboard Federal Credit Union. 
Seaboard Federal Credit Union Home Equity & HELOC
Financial Health HistorySeaboard Federal Credit Union’s Texas Ratio fell from 7.04% in Q2 2023 to 5.46% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Seaboard 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 Seaboard 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 Seaboard Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Seaboard Federal Credit Union
Website
https://www.seaboardfcu.com
Address
177 Main St,
Bucksport, ME 04416
Phone
207-469-6341
Fax
207-469-2866
President
Tony Manzo
CEO
Kyle Casburn
Full-Time Employees
34
Part-Time Employees
5
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.46%
Return on Assets (ROA)
0.1349%
Return on Equity (ROE)
1.5313%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
242,932,251
Total Amount of Shares and Deposits
217,650,172
Total Shares and Deposits < 1 Year
188,626,278
Total Shares and Deposits 1 3 Years
24,023,457
Total Shares and Deposits > 3 Years
5,000,437
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,382,375
Total Uninsured Shares and Deposits > $250K (F+J)
11,382,375
Total Insured Shares and Deposits > $250K (item 17 less item K)
206,267,797
Total Interest Expense (Sum of items 6 8)
1,052,250
Share Certificates
1,670
Number of Accounts for Share Drafts
7,555
IRA KEOGH Accounts
787
Number of Accounts for Regular Shares
17,133
All other shares
136
Money Market Shares
1,231
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,043,882
Total Liabilities
221,903,151
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Seaboard Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Seaboard Federal Credit Union
Frequently Asked Questions About Seaboard Federal Credit UnionHow many branches does Seaboard Federal Credit Union operate?Seaboard 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 Seaboard Federal Credit Union?Yes, to access services at Seaboard 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, Seaboard 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, Seaboard Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Seaboard Federal Credit Union offer online and mobile banking?Most modern institutions like Seaboard 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.seaboardfcu.com. Compare to Other Credit Unions
Ohio County Public Schools Federal Credit Union
Hidden River Credit Union
Port of Houston Warehouse Federal Credit Union
Naveo Credit Union
St Josephs Canton Parish Federal Credit Union
MyUSA Credit Union
SECNY Federal Credit Union
VULCRAFT EMPLOYEES
Belmont Municipal Federal Credit Union
Yoakum County Federal Credit Union
Santa Fe Federal Credit Union
Granite Federal Credit Union
Atlantic Regional Federal Credit Union
Accentra Credit Union
Wings Financial Credit Union
Banner Federal Credit Union
MOPAC Employees Federal Credit Union
ADVANCIAL
Franklin Regional Schools Federal Credit Union
Mississippi Highway Safety Patol Federal Credit Union
Union Pacific Streamliner Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
