Sea Comm Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 27^th largest credit union in the state of New York. It is also the 568^th largest credit union in the nation. It was established in 1963 and as of March of 2025, it had grown to 119 employees and 55,553 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

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	15672
Year Chartered	1963
Employees	119
Primary Regulator

Profit Margin
Return on Assets - YTD	1.15%
Return on Equity - YTD	9.92%
Annual Interest Income	$9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$767.1MM$802.5MM
Loans	Q1 2025vs Q1 2024	$423.6MM$436.3MM
Deposits	Q1 2025vs Q1 2024	$642.2MM$664MM
Equity Capital	Q1 2025vs Q1 2024	$89.6MM$75.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.1MM$1.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.1MM$3.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$38K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Primary Share Account

Sea Comm Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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
0.25%	$5	-	IRA Share Account

Locations

Sea Comm Federal Credit Union Locations
Branch Office	6 Sisson St	Potsdam, NY 13676-3596
Branch Office	3349 State Route 11	Malone, NY 12953-4713
Branch Office	101 E Main St	Canton, NY 13617-1445
Branch Office	30 Stearns St	Massena, NY 13662-2310
Branch Office	3001 Ford Street Ext	Ogdensburg, NY 13669-4495
Branch Office	139 Smithfield Blvd	Plattsburgh, NY 12901
Branch Office	1680 Shelburne Rd	South Burlington, VT 05403-7718
Branch Office	25 Carmichael St	Essex Junction, VT 05452
Branch Office	20565 State Route 3	Watertown, NY 13601

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