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 532nd largest credit union in the nation. It was established in 1963 and as of December of 2023, it had grown to 130 employees and 54,208 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

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 - YTD0.96%
Return on Equity - YTD10.09%
Annual Interest Income$33.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$799.4MM$775.1MM
LoansQ4 2023vs Q4 2022$440.1MM$392.4MM
DepositsQ4 2023vs Q4 2022$661.2MM$662.9MM
Equity CapitalQ4 2023vs Q4 2022$75.4MM$61.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$2MM$924K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$3.7MM$4MM
Real Estate OwnedQ4 2023vs Q4 2022$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+

Sea Comm Federal Credit Union CD Rates

4.50%$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

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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