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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 SeaComm Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
SeaComm Federal Credit Union's IRA, Roth IRA CDs 5 yr rates are at 1.75%, IRA, Roth IRA CDs 4 yr rates are at 1.55%, 5 yr CDsMinimum rates are at 1.40%, IRA, Roth IRA CDs 3 yr rates are at 1.40%, 4 yr CDsMinimum rates are at 1.30%. SeaComm Federal Credit Union's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of SeaComm Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates were last updated on 04/18/2026. SeaComm Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SeaComm Federal Credit Union? Share your experience about SeaComm Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SeaComm Federal Credit Union. SeaComm Federal Credit Union
30 Stearns St 30 Stearns St
https://www.seacomm.org Massena, NY 13662 2310 
SeaComm Federal Credit Union CD Rates
SeaComm Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SeaComm Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather SeaComm Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with SeaComm Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SeaComm Federal Credit Union
Website
https://www.seacomm.org
Address
30 Stearns St,
Massena, NY 13662 2310
Phone
315-764-0566
Fax
315-764-0152
President
Myron Burns
CEO
Scott Wilson
Full-Time Employees
126
Part-Time Employees
7
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.25%
Return on Assets (ROA)
1.1832%
Return on Equity (ROE)
6.7012%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
747,181,176
Total Amount of Shares and Deposits
620,599,538
Total Shares and Deposits < 1 Year
555,533,655
Total Shares and Deposits 1 3 Years
27,764,670
Total Shares and Deposits > 3 Years
37,301,213
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,266,667
Total Uninsured Shares and Deposits > $250K (F+J)
26,266,667
Total Insured Shares and Deposits > $250K (item 17 less item K)
594,332,871
Total Interest Expense (Sum of items 6 8)
5,426,965
Share Certificates
3,821
Number of Accounts for Share Drafts
35,667
IRA KEOGH Accounts
2,278
Number of Accounts for Regular Shares
72,492
All other shares
132
Money Market Shares
4,134
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
27,290,896
Total Liabilities
646,724,372
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SeaComm Federal Credit UnionIs SeaComm Federal Credit Union a safe place to deposit money?Yes, SeaComm Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2466987684455%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does SeaComm Federal Credit Union operate?SeaComm Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join SeaComm Federal Credit Union?Yes, to access services at SeaComm Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, SeaComm Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, SeaComm Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does SeaComm Federal Credit Union offer online and mobile banking?Most modern institutions like SeaComm Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.seacomm.org. Current SeaComm Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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