Credit union · NCUA insured
SeaComm Federal Credit Union
A $771.8M credit union headquartered in Massena, NY, with 56,628 members and 9 branches in 2 states. Best rates: CDs 1.40% and savings 0.35% APY.
SeaComm Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#3 of 9 in Massena, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SeaComm Federal Credit Union
Founded in 1963 by ten Chevrolet Aluminum Foundry employees in Massena, SeaComm Federal Credit Union expanded services under a community charter following a 1975 merger.
Headquartered in Massena, New York, the credit union operates branches across northern New York and northwestern Vermont.
- Headquarters
- 30 Stearns St, Massena, NY 13662-2310
- NCUA charter
- 15672
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located in St. Lawrence, Franklin, Clinton, Essex, Jefferson, and Lewis Counties, New York, and Grand Isle, Chittenden, Franklin, Addison, Lamoille, Orleans, and Washington Counties, Vermont.
Cost to join
- To join, applicants must deposit a minimum of $5 into a Regular Share Savings account.
Branches
9 branches in 2 states
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New York
7 branches
Massena area · 4
- 30 Stearns St.Main office30 Stearns St, Massena, NY 13662Directions
- Branch - Canton101 E Main St, Canton, NY 13617Directions
- Branch - Ogdensburg3001 Ford Street Ext, Ogdensburg, NY 13669Directions
- Branch - Potsdam6 Sisson St, Potsdam, NY 13676Directions
Malone area · 1
- Branch - Malone3349 State Route 11, Malone, NY 12953Directions
Plattsburgh area · 1
- Branch - Plattsburgh139 Smithfield Blvd, Plattsburgh, NY 12901Directions
Watertown area · 1
- Branch - Watertown20565 State Route 3, Watertown, NY 13601Directions
Vermont
2 branches
- Branch - Essex25 Carmichael St, Essex Junction, VT 05452Directions
- Branch - South Burlington1680 Shelburne Rd, South Burlington, VT 05403Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.96% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.63% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.44% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio17.96%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.63%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of SeaComm Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.