Sea West Coast Guard Federal Credit Union

Headquarters

P. O. Box 4949
Oakland, CA 94605
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Sea West Coast Guard is an NCUA insured institution located in Oakland, CA. It was founded in 1959 and has approximately $397.31 millions in assets.

Who can join?

You are eligible for membership in Sea West if you, or an immediate family member, belongs to any one of the following groups:

Employees of the U.S. Government, Department of Homeland Security who work in Arizona, California, Nevada and Utah. You qualify if you are:
• United States Coast Guard
• Border and Transportation Security Directorate
• Emergency Preparedness and Response Directorate
• Science and Technology Directorate
• Information Analysis and Infrastructure Protection Directorate
• DHS Management Directorate
• United States Secret Service
• Employees of North Bay Industries who work in the Coast Guard Galley in Petaluma, CA
• Employees of Technical Fabrication who work in San Leandro, CA

Also eligible to join:
• USCG Auxiliary, who are assigned within Coast Guard District 11 or 12 in Arizona, California, Nevada, and Utah
• USCG Reserve assigned to a reserve unit in a drilling status (pay and non-pay) in the 11th or 12th United States Coast Guard Districts.
• Retired from any of the branches of the U.S. Armed Forces and live within Districts 11 and 12

Select Employee Group Membership - Employees of any of Sea West's Select Employee Groups are also eligible to join.

Association Membership - People belonging to a trade or homeowners association, for example, are also eligible.

Family Membership - The immediate family members of any individual qualified to join Sea West may join. Immediate family is considered:
• Spouse
• Children
• Parents
• Grandparents
• Grandchildren
• Siblings (Brothers or Sisters)

“Family” also includes a person who is living as a single economic unit in the same residence as the primary member, including domestic partners and legal guardians of those eligible for membership.

Once an immediate family or household member joins then that person's immediate family would be eligible to join.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 12814
Date Established	1959
Assets	$397.31 million
Loans	$252.79 million
Deposits	$318.99 million
Capital	$75.71 million

Field of Membership Restrictions

Membership is open to employees of the Coast Guard, the Custom & Border Protection, the Federal Emergency Management Agency, the Transportation Security Administration, the Citizenship & Immigration Services, the Secret Service, the Immigration & Customs Enforcement, and other select employer groups and organizations.

Deposit Rates - July 1, 2025

Your Current Location: Arkansas, AR 10007

We do not yet have rates for Sea West Coast Guard

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Loan Rates - July 1, 2025

Your Current Location: Arkansas, AR 10007

There are currently no loan rates available for Sea West Coast Guard

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Arkansas 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.477%	6.375%	0.88	$3,420	$1,997	Learn More
NMLS ID: 401822	6.518%	6.375%	0.88	$4,795	$1,997	Learn More
NMLS ID: 6606	6.592%	6.500%	1.00	$3,088	$2,023	Learn More
NMLS ID: 3030						Learn More

See More Mortgage Rates →

Featured - Arkansas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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Branches

Below are Sea West Coast Guard branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
West Memphis,Arkansas

Sea West Coast Guard Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Oakland Main Office	1704.01	A	View Lobby Hours
Alameda Service Center	1709.74	B	View Lobby Hours
Petaluma Service Center	1742.09	C	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

SEA WEST COAST GUARD is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Sea West Coast Guard Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sea West Coast Guard. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Sea West Coast Guard	U.S. Average
0.36%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Sea West Coast Guard had $273,905 in non-current loans and $0 in owned assets. To cover these potential losses it had $75,707,190 in net worth and $623,863 in loans loss reserves. That gives it a Texas Ratio of 0.36%.

Net Worth

Sea West Coast Guard	U.S. Average
19.06%	14.25%

Sea West Coast Guard FCU has a net worth of 19.06% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Sea West Coast Guard

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