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Sea Comm Federal Credit Union


Overview / Commentary
www.seacomm.org
315-764-0566
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 532nd largest credit union in the nation. It was established in 1963 and as of December of 2022, it had grown to 131 employees and 52,893 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.
See current membership details

Related Posts

19-Month CD "As High As 5.55% APY" But Not Really Doable. - 4/13/2023

The 5.55% APY is based on Enhanced Loyalty Rewards, but the number of people who could qualify for the 5.55% APY is small. You have to meet all of the below to qualify for the 5.55% APY. 30 ADDITIONAL BASIS POINTS 6 months or longer membership Share draft account Direct deposit Active debit card holder 30 ADDITIONAL BASIS POINTS One year membership One loan product- Visa, Auto, Signature, RV (must be an existing loan of 6 months or greater) 10 ADDITIONAL BASIS POINTS Enrolled in eStatements Member for 5-9 years 15 ADDITIONAL BASIS POINTS CD renewal/rollover Transfer from MMK to CD Two or more loan products (must be an existing loan for 6 months or greater) Veteran 10+ years as a member 25 ADDITIONAL BASIS POINTS Mortgage or Home Equity Line of Credit Business Loan Relationship ($50K+)

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Reviews (1)

Great Bank!

Posted by: |

Sea Comm is a great credit union to have your account at.  They have very helpful and useful staff at the bank.  You can also call up the call-in center and they have always been very helpful.  You can get your coins counted by their automated machine and there is no fee if you are a member.  They have given back their profits to their members as bonuses for having accounts with them.  They are a little strict on who they give out loans to, but I personally have never had a problem with them.  You can access your account online, pay your bills online, and apply for a loan online.  Their website is great for members and you can always see how much money you have in the bank at any time.  You can do online transfers from checking to savings and vice vera at any time of the day.  They usually clear EFT faster than typical.

4


Health
B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #15672
Year Chartered1963
Employees131
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD11.66%
Annual Interest Income$25.5MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$775.1MM$758.8MM
LoansQ4 2022vs Q4 2021$392.4MM$347.1MM
DepositsQ4 2022vs Q4 2021$662.9MM$653.0MM
Equity CapitalQ4 2022vs Q4 2021$61.5MM$102.0MM
Loan Loss AllowanceQ4 2022vs Q4 2021$924.00K$1.5MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$4.0MM$1.9MM
Real Estate OwnedQ4 2022vs Q4 2021$0$56.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Sea Comm Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5-IRA Share Account
0.10%$100-Primary Share Account

Sea Comm Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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+

Sea Comm Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.60%$3k-19 Month CD Special
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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 05452-3100
Branch Office20565 State Route 3Watertown, NY 13601

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