Sea Comm Federal Credit Union


Overview / Commentary
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 549th largest credit union in the nation. It was established in 1963 and as of September of 2024, it had grown to 125 employees and 55,187 members at 9 locations. Sea Comm Federal Credit Union's money market rates are 2X the national average, and it has an A 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

Health Grade Components

Overall
NCUA #15672
Year Chartered1963
Employees125
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD7.98%
Annual Interest Income$27.3MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$787.1MM$789MM
LoansQ3 2024vs Q3 2023$437MM$438.1MM
DepositsQ3 2024vs Q3 2023$653.7MM$672.6MM
Equity CapitalQ3 2024vs Q3 2023$88.2MM$59.8MM
Loan Loss AllowanceQ3 2024vs Q3 2023$1.8MM$1.9MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$2.8MM$3.1MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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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

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 - $100k

Sea Comm Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Branch Office20565 State Route 3Watertown, NY 13601

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