Residential Lending

At Seaside, we finance dreams.

We believe in helping make dreams a reality. That's why we offer a variety of home loan options. Your Residential Lending Advisor will work with you and your client to design the right program to meet their needs.

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Residential Lending Services

Seaside Select Checking

As Seaside’s premier relationship account, Seaside Select Checking provides you with sweep options and our most comprehensive array of benefits.

Checking Accounts

Whether you are looking for a simple account with all the necessities, an interest bearing account, or something in-between, Seaside has a checking account to meet your needs.

Money Market Select

We offer an account that earns a competitive rate of interest on your balances.

Savings Accounts

Our savings account offers a low balance requirement and a competitive rate of interest.

CDs & IRAs

Seaside offers Certificates of Deposits (CDs) and Individual Retirement Accounts (IRAs) with a minimum opening balance of $2,500. Premium rates may apply for CDs and IRAs $100,000 and over.


Through the Certificate of Deposit Account Registry Service (CDARS), Seaside offers you a safe, convenient way to put your cash to work through a single contact, receiving one combined statement and the benefit of FDIC insurance protection of every dollar up to $50,000,000 plus your financial information is protected.

Accounts for Minors

Seaside offers a “My First” savings account to encourage children to develop a life-long habit of saving.

Residential Lending Options

Seaside offers numerous fixed and adjustable rate options for financing your primary, secondary or vacation home.

Fixed Rate Mortgages

This is a residential loan where the interest rate on the note remains the same through the term of the loan.

Adjustable Rate Mortgages

An adjustable rate mortgage, or an “ARM” as they are commonly called, is a loan type that offers a lower initial interest rate than most fixed rate loans. The trade-off is that the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly.

VA/FHA Mortgages

A VA mortgage is a home loan for veterans and service persons. The loan is guaranteed by the Department of Veterans Affairs (VA) and requires low or no down payment. An FHA mortgage is a home loan insured by the Federal Housing Administration (FHA) and is also known as a government mortgage.

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To check rates or apply, click here.

Home Equity Services

Home Equity Loans and Lines of Credit can be used to make home repairs, consolidate debt, or for a variety of other financing needs.

Home Equity Loan

A Home Equity Loan is a great option if you want a predictable monthly payment.

Home Equity Line of Credit

With a Home Equity Line of Credit, you get all the benefits of a home equity loan with the convenience and flexibility of a credit line. You are able to draw from your home equity line of credit any time you need it using convenience checks.

Internet Banking with Bill Pay

Seaside’s Private Internet Banking with Bill Pay, allows you to conduct a wide array of banking activities from the convenience of your home, office or even on the road. Features:
  • Online self-enrollment
  • Monitor account activity on all your deposit and loan accounts
  • Verify transactions and balances
  • Transfer funds between deposit accounts
  • Pay your bills online
  • Initiate stop payment
  • Mobile Banking App (Apple & Android)
    • Accounts - Check your latest account balance and search recent transactions by date, amount, or check number.
    • Bill Pay - Pay bills, edit bills scheduled to be paid, and review previously paid bills from your phone.
    • Digital Deposit - (Private Banking Only) Eligible clients can deposit checks while on the go.
    • Transfers - Easily transfer cash between your Seaside accounts.

Personal Lines of Credit

Seaside’s personal credit line provides you with a revolving line of credit available for any purpose, at any time. You can use your credit line to pay for home improvements, educational expenses, medical costs, or to consolidate outstanding high-interest debt. You’ll also have the option of using your personal line of credit as overdraft protection for your Seaside checking account.

Fixed Rate Personal Loans

Whether you want to simplify your finances, improve or expand your home, or pay for a dream vacation, we can help you achieve your goal with a personal loan that's right for you. It's fast, it's easy, and we can offer unsecured or secured options with flexible terms.

Personal Credit Cards

Seaside offers a variety of personal cards. After understanding your needs we will discuss the benefits of being a cardholder.

Debit MasterCard®

Our Seaside Debit MasterCard® looks like a credit card, but works like a check. Use it to make purchases wherever you see the MasterCard® logo and the amount of your purchase is automatically deducted from your Seaside checking account.
  • Use it for everyday purchases at places like department stores, gas stations, grocery stores, or anywhere you see the MasterCard® logo
  • Easily view your Debit Card transactions in your monthly statement or through Seaside Private Internet Banking
  • There are no finance charges for Debit Card purchases

Overdraft Protection

Seaside offers two ways to protect against the cost and inconvenience of returned checks. Simply link your checking account to another Seaside deposit account or your Seaside Line of Credit to guard against overdrawing your checking account.
  • Deposit to Deposit Overdraft Protection1 If you overdraw your Seaside checking account, have another Seaside deposit account, and have requested Overdraft Protection, we will automatically transfer the amount you need from the designated account to your checking account.
  • Line of Credit2 When your Seaside checking account is overdrawn, an advance is made from your Line of Credit to your checking account.

1 Transfers will occur in increments of $100.00. The number of transfers per month may be limited by Federal Regulation D.
2 Transfers will occur in increments of $100.00. The amount transferred cannot exceed the available credit limit on your Personal Line of Credit line. Transferred funds are treated as a cash advance; the finance charge is imposed from the date of posting of each cash advance.

ATM Accessibility

As a Seaside debit cardholder, you will have convenient ATM access through our affiliation with major ATM networks including Cirrus, Pulse, NYCE & Presto. Through the affiliation with NYCE, Seaside debit cardholders can use any Publix Presto! ATM surcharge free.

Please click below to search for your nearest Publix Presto! ATM location.

Presto! Logo

Learn More About Zelle

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