Credit union · NCUA insured
Sea Air FCU
Top CarrotA $118.2M credit union headquartered in Seal Beach, CA, with 6,277 members and 3 branches in California. Best rates: CDs 3.77% and savings 3.30% APY.
Sea Air FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#14 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sea Air FCU
Founded in 1952, Sea Air Federal Credit Union is a member-owned financial cooperative based in Seal Beach, California.
Established to provide affordable financial services, it serves military personnel, base-connected civilians, and local communities, with branches in Seal Beach, Los Alamitos, and Norco.
- Headquarters
- 800 Seal Beach Blvd Bldg 12, Seal Beach, CA 90740
- NCUA charter
- 7817
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents of Sunset Beach.
Employers and groups
- Membership is open through membership with the Financial Fitness Association.
- Membership is open to members of USA Water Polo.
Military, government and schools
- Membership is open to employees of the City of Seal Beach.
- Membership is open to civilians who work or live on Seal Beach Weapons Station, Los Alamitos Joint Training Base, or Norco Naval Facility.
- Membership is open to active duty, retired, and reserve military.
1 more way to join
Family and household
- Membership is open to immediate family of current members.
Cost to join
- Membership requires opening and maintaining a minimum balance of $5.00 in a Share Savings Account.
Branches
3 branches in California
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California
3 branches
Los Angeles area · 2
- Seal BeachMain office800 Seal Beach Blvd Bldg 12, Seal Beach, CA 90740Directions
- Los Alamitos11210 Lexington Dr Bldg 242, Los Alamitos, CA 90720Directions
Riverside area · 1
- Corona1999 4th St Bldg 502, Norco, CA 92860Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 23.39% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.87% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.69% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio23.39%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.87%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.69%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sea Air FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.