Sea Comm Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.88% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 1.70% | 4-year CD | 2.90% - Barclays 48 Month Online CD |
| 1.52% | 3-year CD | 2.85% - Barclays 36 Month Online CD |
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 525th largest credit union in the nation. It was established in 1963 and as of December of 2018, it had grown to 116 employees and 46,696 members at 6 locations. Sea Comm Federal Credit Union's money market rates are 77% higher than the national average, and it has an A health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in St. Lawrence, Franklin or Clinton counties.
See current membership details
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Great Bank!
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 15672 |
| Year Chartered | 1963 |
| Employees | 116 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.02% |
| Return on Equity - YTD | 7.18% |
| Annual Interest Income | $22.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $546.0MM$544.0MM |
| Loans | Q4 2018vs Q4 2017 | $332.3MM$308.0MM |
| Deposits | Q4 2018vs Q4 2017 | $455.5MM$458.7MM |
| Equity Capital | Q4 2018vs Q4 2017 | $78.3MM$75.5MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $2.1MM$1.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $3.7MM$3.7MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $154.00K$151.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.48% | $100 | - | Primary Share Account | |
| 0.48% | $5 | - | IRA Share Account |
Sea Comm Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.78%* | $50k* | - | Money Market Account | ||
| OTHER TIERS: 0.48% → $100 - $2.5k | 0.52% → $2.5k - $10k | 0.55% → $10k - $25k | 0.63% → $25k - $50k | |||||
Sea Comm Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.88% | $1k | - | 5 Year CD | |
| 1.70% | $1k | - | 4 Year CD | |
| 1.52% | $1k | - | 3 Year CD | |
| 1.34% | $1k | - | 30 Month CD | |
| 1.08% | $1k | - | 2 Year CD | |
| 1.08% | $500 | - | 24 Month Young Savers CD | |
| 0.90% | $1k | - | 18 Month CD | |
| 0.90% | $500 | - | 18 Month Young Savers CD | |
| 0.84% | $1k | - | 1 Year CD | |
| 0.84% | $500 | - | 12 Month Young Savers CD | |
| 0.77% | $2.5k | - | 6 Month CD | |
| 0.77% | $500 | - | 6 Month Young Savers CD | |
| 0.38% | $2.5k | - | 90 Day CD |
Sea Comm Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.88% | $1k | - | 5 Year IRA | |
| 1.70% | $1k | - | 4 Year IRA | |
| 1.52% | $1k | - | 3 Year IRA | |
| 1.34% | $1k | - | 30 Month IRA | |
| 1.08% | $1k | - | 2 Year IRA | |
| 0.90% | $1k | - | 18 Month IRA | |
| 0.84% | $1k | - | 1 Year IRA |
| 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 |