Sea Comm Federal Credit Union

Overview / Commentary
30 Stearns St
Massena, NY 13662-2310

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 520th largest credit union in the nation. It was established in 1963 and as of March of 2021, it had grown to 126 employees and 50,359 members at 9 locations. Sea Comm Federal Credit Union's money market rates are 36% higher than the national average, and it boasts 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.
See current membership details

Reviews (1)

Great Bank!

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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.


Health Grade Components

NCUA #15672
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD6.01%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$717.9MM$589.5MM
LoansQ1 2021vs Q1 2020$345.0MM$329.7MM
DepositsQ1 2021vs Q1 2020$613.7MM$490.4MM
Equity CapitalQ1 2021vs Q1 2020$96.5MM$93.6MM
Loan Loss AllowanceQ1 2021vs Q1 2020$1.8MM$2.1MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.4MM$2.3MM
Real Estate OwnedQ1 2021vs Q1 2020$0$54.00K
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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

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

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 05452-3100
Branch Office605 Coffeen StWatertown, NY 13601

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