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Sea Comm

30 STEARNS STREET, Massena, NY 13662
NCUA Insured3.8 (38 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

30 STEARNS STREET

Massena, NY 13662

Service Area

This credit union is located in Massena and serves members in the NY area. Currently serving 56,384 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.74%

Used Auto Loan

6.74%

Personal Loan

9.88%

Credit Card APR

8.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Member Reviews

3.8

38 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Heather L

Heather L

5 months ago

I have two auto loans paid directly through a debit card, bi-weekly. Generally, these payments are made with a routing and account number, so I didn’t think much of it when I had to cancel the debit card due to fraud. Because I pay bi-weekly, I am months ahead on payments. SeaComm didn’t bother to let me know that my payments didn’t go through… for months…that’s 16 attempts. Instead, they waited until my loan was 10 days past due to mail me a letter. I received a letter one day before my payment would have impacted my credit. I logged on and quickly made the payments through a small account I keep with SeaComm. I then reached out during their working hours to correct the issue. The representative who assisted me applied my biweekly payments to ONE of my loans and not the other. Again, I received a letter stating my loan payment was late… I reached out and spoke with somebody who was incredibly helpful and corrected the error, but I asked for a letter stating that Seacomm had made an error and was told I would receive a call back from the person who made the error and that I would receive the letter I requested. I received neither. If rates were comparable to my current loans, I would refinance elsewhere.

Tonja Sharlow

Tonja Sharlow

7 months ago

My husband has been has been with Seacomm for 40 years in Massena.We retired and relocated to the sunshine state. We always kept our Seacomm account as our retirement account. Recently we had a fraud incident. It was handled by Samantha. She corrected the situation within very fast time and resolved issue. We appreciate that so much. We highly recommend Seacomm Credit union for your daily banking needs. And the kindness you only find in the North Country.Thank You so much. Gerald and Tonja Sharlow

Gabriel A

Gabriel A

9 months ago

WE WERE AT SEACOMM at 1/4/25 5:33 PM MASSENA NY ONE OF YOUR DRIVE THRU ATM SO MY FATHER TOOK A $20 out so this is what happen my father gotten upset this atm started closing at 1.0 seconds and my father was struggling to get it out and it ripped and my dad showed your atm camera and watch the footage with the guy showing you the ripped 20 dollars I would get that thing fixed or a new now it pinched my dads finger so look at the photos we are so disappointed it did the same thing at the one in Potsdam ny and canton ny so please respond back please would appreciate it we were shocked and I’m angry my dad is angry sorry for the mean way or I sounded rude Name here GABRIEL I wish I could leave zero I mean 0 stars for that atm

S Sharlow

S Sharlow

4 months ago

Member since the 1980s. Never one complaint! Hometown service. Caring & helpful.

Becca Jean

Becca Jean

5 years ago

We closed our mortgage account out with them in 2019. Instead of marking our account closed on our credit report, they’ve been marking us as 120+ days late for $3000- on a mortgage we don’t even have! We’ve called and been told they would mark it appropriately. We were dumb and believed them. Applied for a credit card at our new bank and were denied because of low credit. We check, and 7 months after we closed our mortgage, they’re STILL reporting it as open and unpaid.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).