Credit union · NCUA insured
Sea Air FCU Savings Rates
Top CarrotSea Air FCU’s best savings rate is 3.30% APY on $10,000, with its Emergency Fund (Save to Win). Rates checked October 16, 2026.
How Sea Air FCU’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where Sea Air FCU has the most branches. $10,000, best rate first.
This credit union’s best
Sea Air FCU
1.26%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $126
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Sea Air FCU savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.26%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sea Air FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Emergency Fund (Save to Win)
3.30%APY
Maximum balance is $25,000. No additional deposits will be accepted. Limited to 2 withdrawals per month. Earn 1 prize entry for every $25 increase in balance, up to 100 entries per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $400 – $25,000Minimum balance required to earn dividends is $400.00. Maximum balance is $25,000. No additional deposits accepted. Limited to 2 withdrawals per month.$400 – $25,000 | 3.30% | $330 | Minimum balance required to earn dividends is $400.00. Maximum balance is $25,000. No additional deposits accepted. Limited to 2 withdrawals per month. |
Money Market
1.26%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1,000 and upTier I · $1,000 to open | 1.26% | $1,000 | $126 | Tier I |
| $20,000 and upTier II · $20,000 to open | 1.77% | $20,000 | — | Tier II |
| $50,000 and upTier III · $50,000 to open | 2.02% | $50,000 | — | Tier III |
Sources (1)
- seaairfcu.org/rates · captured Oct 16, 2026
Regular Shares
0.01%APY
Membership requires a $5.00 deposit into a Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance required to earn dividends is $50.00.$50 and up | 0.01% | $1 | Minimum balance required to earn dividends is $50.00. |
Trusts
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.01% | $1 |
Sources (1)
- seaairfcu.org/rates · captured Oct 16, 2026
Special-purpose accounts
Holiday Club
0.25%APY
Funds are mailed or deposited into Sea Air share/checking account around the first week of November.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.25% | $25 |
IRA Shares
0.15%APY
Available as Traditional IRA or Roth IRA. Minimum deposit of $5.00 in a Share Savings Account is required to establish membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.15% | $15 |
Kids Account (0-12)
0.01%APY
For kids age 12 and under.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.01% | $1 |
Teen Account (13-18)
0.01%APY
For members between the ages of 13-18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.01% | $1 |
Who can join Sea Air FCU
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.
Membership information collected October 5, 2026.