Credit union · NCUA insured
SeaComm Federal Credit Union CD Rates
SeaComm Federal Credit Union’s best CD rate is 1.40% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How SeaComm Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Massena, NY, where SeaComm Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SeaComm Federal Credit Union
1.40%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $720
Share Certificates
Top rate
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
SeaComm Federal Credit Union CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.35%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo0.55%
- 31–60 months31–60 mo1.40%
- QualifiedQualified1.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SeaComm Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Special
4.50%APY · 1 term
Valid for new funds only. Existing share certificates cannot be redeemed for special rate. This is a one term certificate and will be deposited into share account once term has expired. Membership eligibility required. Offer ends 5/31/24. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRate starts at 4.50% APY with potential to increase to 6.60% APY utilizing Enhanced Loyalty Rewards | 4.50% | $336 |
Sources (1)
- seacomm.org/rates.html · captured Oct 5, 2026
Share Certificates
Up to 1.40%APY · 9 terms
Dividends calculated daily and credited monthly based on daily balance. Rate may increase utilizing Enhanced Loyalty Rewards.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 90 days. With Enhanced Loyalty Rewards (w/ELR) APY is up to 2.35% | 0.25% | $6 |
| 6 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.45% | 0.35% | $17 |
| 12 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.50% | 0.40% | $40 |
| 18 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.55% | 0.45% | $68 |
| 24 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.60% | 0.50% | $100 |
| 30 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.65% | 0.55% | $138 |
| 36 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 3.15% | 1.05% | $318 |
| 48 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 3.40% | 1.30% | $530 |
| 60 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 3.50% | 1.40% | $720 |
Special-purpose accounts
IRA, Roth IRA Certificates
Up to 1.75%APY · 7 terms
Available under Traditional, Educational and Roth IRA terms. Fixed rate for the term. Dividends paid monthly. Early withdrawal penalty may apply. Rate may increase up to stated w/ELR APY utilizing Enhanced Loyalty Rewards.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.60% | 0.50% | $50 |
| 18 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.65% | 0.55% | $83 |
| 24 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.80% | 0.70% | $140 |
| 30 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.85% | 0.75% | $189 |
| 36 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 3.50% | 1.40% | $426 |
| 48 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 3.65% | 1.55% | $635 |
| 60 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 3.85% | 1.75% | $906 |
Youth Saver Share Certificates
Up to 0.50%APY · 4 terms
Available for younger members aged 17 or under. Dividends calculated daily and credited monthly based on daily balance. Rate may increase utilizing Enhanced Loyalty Rewards.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.45% | 0.35% | $17 |
| 12 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.50% | 0.40% | $40 |
| 18 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.55% | 0.45% | $68 |
| 24 monthsWith Enhanced Loyalty Rewards (w/ELR) APY is up to 2.60% | 0.50% | $100 |
Who can join SeaComm Federal Credit Union
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.
Membership information collected October 5, 2026.