In this paper, a numerical application algorithm for applying the CFAM (Consistent Fluid Added Mass) matrix for a core seismic analysis is developed and applied to the 7-ducts core system to investigate the fluid effects on the dynamic characteristics and the seismic time history responses. To this end, three cases such as the in-air condition, the in-water condition without the fluid coupling terms, and the in-water condition with the fluid coupling terms are considered in this paper. From modal analysis, the core duct assemblies revealed strongly coupled out-of-phase vibration modes unlike the other cases with the fluid coupling terms considered. From the results of the seismic time history analysis, it was also verified that the fluid coupling terms in the CFAM matrix can significantly affect the impact responses and the seismic displacement responses of the ducts.