Sea Comm


30 Stearns Street
Massena, NY 13662
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.66% →
1-Year CD 0.40% 0.67% →
2-Year CD 0.50% 0.75% →
5-Year CD 1.40% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Sea Comm is an NCUA insured institution located in Massena, NY. It was founded in 1963 and has approximately $660.78 millions in assets.

Who can join?

You are eligible to join SeaComm if you live, work, worship or attend school anywhere in St. Lawrence County or in the following municipalities of Franklin County: Bangor, Bellmont, Bombay, Brandon, Burke, Chateaugay, Constable, Dickinson, Duane, Fort Covington, Malone, Moira, St. Regis Reservation, Waverly and Westville.

NCUA Insured Yes / Federally Chartered
Charter Number # # 15672
Date Established 1963
Assets $660.78 million
Loans $346.55 million
Deposits $556.72 million
Capital $94.19 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in St. Lawrence, Franklin or Clinton counties.

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.40% $1,000 - Learn More
18 Mo CD
0.45% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
30 Mo CD
0.55% $1,000 - Learn More
36 Mo CD
1.05% $1,000 - Learn More
48 Mo CD
1.30% $1,000 - Learn More
60 Mo CD
1.40% $1,000 - Learn More

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SEA COMM

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.790% 2.750% 0.50 $1,290 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to SEA COMM
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Sea Comm branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Sea Comm Locations

Financial Details

Sea Comm Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sea Comm. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Sea Comm U.S. Average
3.27% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Sea Comm had $3,124,691 in non-current loans and $20,505 in owned assets. To cover these potential losses it had $94,194,804 in net worth and $1,947,259 in loans loss reserves. That gives it a Texas Ratio of 3.27%.

Net Worth
Sea Comm U.S. Average
14.25% 12.67%

Sea Comm FCU has a net worth of 14.25% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Sea Comm

Branches and Savings

What is Sea Comm?

A federal credit union, registered with the NCUA under certificate #15672.
Learn more about credit unions here.

Is Sea Comm FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Sea Comm is insured by the NCUA.

Who can join Sea Comm?

Please see Field of Membership information above for information on who is eligible to join.

What are Sea Comm's share account and share certificate rates?

Sea Comm's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Sea Comm?

Sea Comm has total capital of $94.19 million. Full information on Sea Comm's financial position is located above.

Who owns Sea Comm?

Credit Unions are owned by their members.

Where are Sea Comm branches located?

See branch locations nearby.

Are Sea Comm ATMs Open 24/7?

Do Sea Comm ATMs accept cash deposits?

Can Sea Comm customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Sea Comm have a mobile app?

Does Sea Comm have mobile deposit?

Does Sea Comm have quick pay?

How can Sea Comm transfer money to other banks or credit unions?

Does Sea Comm report to credit bureaus?

Does Sea Comm use Chexsystems?

Does Sea Comm use Equifax?

What is Sea Comm's toll free phone number?

What is Sea Comm's ACH Routing Number?

What is Sea Comm's SWIFT code?

Where can I find Sea Comm's wire transfer form?

What is the Sea Comm address for deposits?

What Products Does Sea Comm Offer

Does Sea Comm offer mortgages?

Compare mortgage rates here.

Does Sea Comm offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sea Comm offer auto and RV loans?

Compare auto loan rates here.

Does Sea Comm offer student loans or personal loans?

Compare personal loan rates here.

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