Sea Comm Federal Credit Union

Overview / Commentary
30 Stearns St
Massena, NY 13662

Sea Comm Federal Credit Union is headquartered in Massena and is the 26th largest credit union in the state of New York. It is also the 537th largest credit union in the nation. It was established in 1963 and as of March of 2024, it had grown to 128 employees and 54,551 members at 9 locations. Sea Comm Federal Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Sea Comm Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Clinton, Essex, Franklin, Jefferson, Lewis, or St. Lawrence, or the Vermont counties of Chittenden, Franklin, or Grand Isle.
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Health Grade Components

NCUA #15672
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD9.42%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$802.5MM$808.9MM
LoansQ1 2024vs Q1 2023$436.3MM$419MM
DepositsQ1 2024vs Q1 2023$664MM$687.2MM
Equity CapitalQ1 2024vs Q1 2023$75.6MM$66.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.9MM$2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.1MM$3.4MM
Real Estate OwnedQ1 2024vs Q1 2023$38K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sea Comm Federal Credit Union Savings Account Rates

0.25%$5-IRA Share Account
0.10%$100-Primary Share Account

Sea Comm Federal Credit Union Money Market Rates

1.00%*$100k*-Money Market Account
OTHER TIERS: 0.10% $100 - $2.5k | 0.25% $2.5k - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k | 0.60% $50k - $100k

Sea Comm Federal Credit Union CD Rates

1.40%$1k-5 Year CD
1.30%$1k-4 Year CD
1.05%$1k-3 Year CD
0.55%$1k-30 Month CD
0.50%$1k-2 Year CD
0.50%$500-24 Month Young Savers CD
0.45%$1k-18 Month CD
0.45%$500-18 Month Young Savers CD
0.40%$1k-1 Year CD
0.40%$500-12 Month Young Savers CD
0.35%$2.5k-6 Month CD
0.35%$500-6 Month Young Savers CD
0.25%$2.5k-90 Day CD

Sea Comm Federal Credit Union IRA Rates

1.75%$1k-5 Year IRA
1.55%$1k-4 Year IRA
1.40%$1k-3 Year IRA
0.75%$1k-30 Month IRA
0.70%$1k-2 Year IRA
0.55%$1k-18 Month IRA
0.50%$1k-1 Year IRA

Sea Comm Federal Credit Union Locations
Branch Office6 Sisson StPotsdam, NY 13676-3596
Branch Office3349 State Route 11Malone, NY 12953-4713
Branch Office101 E Main StCanton, NY 13617-1445
Branch Office30 Stearns StMassena, NY 13662-2310
Branch Office3001 Ford Street ExtOgdensburg, NY 13669-4495
Branch Office139 Smithfield BlvdPlattsburgh, NY 12901
Branch Office1680 Shelburne RdSouth Burlington, VT 05403-7718
Branch Office25 Carmichael StEssex Junction, VT 05452
Branch Office20565 State Route 3Watertown, NY 13601

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