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30 Stearns St
Massena, NY 13662-2310

Sea Comm Federal Credit Union is headquartered in Massena and is the 27th largest credit union in the state of New York. It is also the 495th largest credit union in the nation. It was established in 1963 and as of June of 2016, it had grown to 95 employees and 42,246 members at 5 locations. Sea Comm Federal Credit Union's money market rates are 55% 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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Reviews (1)

Great Bank!

Posted by: laplanmd | Feb 21, 2011

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 - YTD1%
Return on Equity - YTD7.14%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$512.7MM$500.0MM
LoansQ2 2016vs Q2 2015$246.9MM$224.2MM
DepositsQ2 2016vs Q2 2015$437.9MM$434.0MM
Equity CapitalQ2 2016vs Q2 2015$71.4MM$63.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.6MM$1.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.0MM$2.5MM
Real Estate OwnedQ2 2016vs Q2 2015$249.00K$90.00K
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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

0.38%$100-Primary Share Account
0.38%--Traditional IRA Share Account
0.38%--Roth IRA Share Account

Sea Comm Federal Credit Union Money Market Rates

0.68%*$50k*-The Weekly Money Market
OTHER TIERS: 0.38% $100 - $2,500 | 0.42% $2,500 - $10k | 0.45% $10k - $25k | 0.53% $25k - $50k

Sea Comm Federal Credit Union CD Rates

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%$2,500-6 Month CD
0.77%$500-6 Month Young Savers CD
0.38%$2,500-90 Day CD

Sea Comm Federal Credit Union IRA Rates

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 Office6 Sisson StPotsdam, NY 13676-3596
Branch Office45 Finney BlvdMalone, NY 12953-1002
Branch Office101 E Main StCanton, NY 13617-1445
Branch Office30 Stearns StMassena, NY 13662-2310
Branch Office3001 Ford Street ExtOgdensburg, NY 13669-4495