Credit union · NCUA insured
SeaComm Federal Credit Union Savings Rates
SeaComm Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How SeaComm Federal Credit Union’s savings 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
0.35%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $35
Money Market Account
Top rate
North Country Savings Bank
3.56%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $356
2nd-highest rate
Adirondack Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
SeaComm Federal Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.35%APY
Dividends are calculated daily, paid monthly, and tiered based on balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,500 | 0.10% | — |
| $2,500 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.35% | $35 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 – $100,000 | 0.60% | — |
| $100,000 and up | 1.00% | — |
Primary Share Account
0.10%APY
Doorway to membership requirement; deposit and maintain at least $5.00. Minimum balance to earn dividends is $100. Dividends calculated on daily balance and paid monthly. Enhanced Loyalty Rewards program may increase rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100; $5 minimum to open and maintain account membership.$100 and up | 0.10% | $10 | Minimum balance to earn dividends is $100; $5 minimum to open and maintain account membership. |
Special-purpose accounts
Trad/Roth IRA Share Acct.
0.25%APY
IRA share savings account. No minimum balance required for the IRA (page p15) with a $5 minimum on the rate schedule (page p21). No monthly fees. Dividends paid monthly. Covered by NCUA insurance up to $250,000 separately.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
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.