Sea Comm Credit Union Malone NY | Best Auto Loans & Quick Personal Loans

Introduction

At Sea Comm, we believe that financial services should be as welcoming and supportive as a neighborly chat over coffee. Located at 3349 State Route 11 in Malone, NY 12953, our branch has proudly served the community since 1963. With a commitment to helping our 55,187 members thrive, we provide a range of banking services designed for every stage of life. While you can visit us at our physical location, please note that official correspondence should be sent to 3349 State Highway 11, Malone, NY 12953 if you need to reach us by mail. With assets totaling $787,112,156, our credit union is dedicated to ensuring your financial stability. We offer a variety of loans, including personal loans and auto financing, with our total loans reaching 30,974. Our dedication to fostering community growth is reflected in our total deposits of $24,337,568 and net worth of $121,411,320. Led by our experienced CEO Scott Wilson and Board President Myron Burns, our team of 131 employees is here to help you achieve your financial goals. Whether you're looking for checking and savings accounts or exploring options for business loans, we provide personalized service tailored to your needs. With convenient hours from 8 AM to 5 PM Monday through Thursday, 8 AM to 6 PM on Friday, and 9 AM to 12 PM on Saturday, we're ready when you are. Feel free to call us at 315-764-0566 or visit our website at Sea Comm for more information about how we can support your financial journey. Join us today and experience the difference a local credit union can make!

Branch History & Mission

Community Focus

Sea Comm isn't just about banking; it's about building relationships within the community. We actively engage in partnerships and outreach initiatives aimed at improving local lives. Whether through educational workshops or supporting local events, we believe that investing in our community enriches everyone involved. As we look towards the future, we invite you to join us on this journey. Experience the benefits of becoming a member of Sea Comm where your financial success is at the heart of everything we do. For more information or to open an account today, visit us online at www.seacomm.org or call us at 315-764-0566. Together with you and for you let's create a brighter financial future!

Our Evolution

Since opening our doors, Sea Comm has blossomed into a trusted institution, currently boasting a membership of over 55,000 individuals. Our total assets have reached an impressive $787,112,156, reflecting not only our growth but also the trust placed in us by our community. We have witnessed significant milestones along the way, from expanding our range of services to enhancing accessibility through digital banking options. While members can visit us at 3349 State Route 11, official correspondence should be sent to our mailing address at 3349 State Highway 11, Malone, NY 12953.

Our Mission

At Sea Comm, our mission is simple yet profound: we aim to provide comprehensive financial solutions while fostering community development and support. We strive to empower our members with tools for personal finance management be it through checking and savings accounts, auto loans, mortgages, or credit cards with rewards. We understand that each member's journey is unique; thus, we are committed to offering personalized service tailored to meet individual needs. Our operating hours are designed with your convenience in mind open Monday through Thursday from 8 AM to 5 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to noon. With ATM availability and drive-thru banking services at your disposal, accessing your funds is easier than ever.

Branch Location & Accessibility

Accessibility and Features

At Sea Comm, we pride ourselves on creating a welcoming space for everyone. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure that all members can navigate easily. Parking is ample and convenient, so you can hop out of your car and come right inside. While members can visit us at 3349 State Route 11, official correspondence should be sent to our mailing address at 3349 State Highway 11, Malone, NY 12953.

Get in Touch!

Have questions or want to learn more about how Sea Comm can support your financial journey? Feel free to give us a call at 315-764-0566. We can't wait to welcome you into our branch and assist with all your banking needs! Come visit us today!

Operating Hours

We understand that your time is valuable. That's why we're here for you with flexible operating hours: Monday through Thursday from 8 AM to 5 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to noon. Whether you need assistance with personal banking or have questions about loans, our friendly staff is ready to help during these hours.

Services Offered

Our branch offers a wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, enjoy the convenience of our drive-thru service for quick deposits or withdrawals without leaving your vehicle. And if you're in need of cash after hours? No problem! We have an ATM available for your convenience as well.

Member Eligibility

At Sea Comm, we believe that everyone deserves the opportunity to be part of a friendly and supportive community. Joining us is easy! If you live, work, or worship in our local area or have a family member who is already a member, you're likely eligible for membership. We welcome individuals from all walks of life to experience the benefits of banking with us, from personalized service to competitive rates on loans and savings accounts. To find out more about the specific eligibility criteria, please check out our detailed guidelines at . Opening an account is just as simple! You can start your journey with Sea Comm by visiting us at our branch located at 3349 State Route 11 Malone Ny 12953 or by applying online through this link: https://app.loanspq.com/apply.aspx?lenderref=seacommfcu021621&list=ccplvlcbst . Should you have any questions along the way, feel free to give us a call at (315) 764-0566. We're here to help you every step of the way as you embark on this exciting financial journey!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $121 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $37 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $51,523,829, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Matter

Imagine being able to accept payments easily from your customers whether they pay by card or mobile app. Our merchant services simplify transactions so you can focus on what you do best: running your business. With tools tailored for your needs, you'll experience smooth cash flow management that keeps your operations running efficiently. Visit us at 3349 State Route 11 Malone Ny 12953 in Malone, NY, or call us at (315) 764-0566 to learn how we can help you take your business to the next level!

Comprehensive List Of Services

Business Banking Services

For our business members, Sea Comm provides essential banking solutions including merchant services and business loans. We recognize that running a business requires reliable support, which is why we offer tailored services to help you thrive in today's economy.

Convenient Access

Our branch also features convenient ATM services for cash withdrawals and balance checks. Plus, enjoy basic drive-thru banking for quick deposits and simple transactions without leaving your car. Whether it's early morning or late afternoon, we're here for you with operating hours designed around your schedule: Monday through Thursday from 8 AM to 5 PM; Friday from 8 AM to 6 PM; and Saturday from 9 AM to 12 PM. In addition to physical services, our online and mobile banking platforms make it easy for you to manage your accounts anytime, anywhere. With features like person-to-person payments and mobile payments available at your fingertips, banking has never been easier. At Sea Comm in Malone, NY, we are committed to helping you achieve your financial goals. For more information about our services or assistance with any questions you may have, please don't hesitate to reach out at 315-764-0566 or visit us online at Sea Comm. Your financial success starts here!

Home Financing Options

When it comes to home ownership, Sea Comm is here to assist with mortgage loans and refinancing options that fit your budget. We help simplify the path to owning a home by offering competitive rates and personalized service. Let us help turn your dream of home ownership into reality.

Loans for Every Need

Personal loans are another service we proudly offer, whether you're looking to consolidate debt or cover unexpected expenses. Our loan specialists will work with you to find the best terms that suit your financial situation. Additionally, our credit cards come with rewards that allow you to earn while you spend! Enjoy benefits that enhance your purchasing power and provide flexibility when managing expenses.

Personal Banking Solutions

We understand that managing day-to-day finances can be challenging. That's why our personal banking services include checking and savings accounts tailored for your lifestyle. With these accounts, you can easily access your funds through online and mobile banking. You can check your balance or transfer money with just a few taps on your smartphone. For those considering a new vehicle or needing to refinance an existing one, our auto loans and vehicle financing options make the process straightforward and accessible. Imagine driving off in that new car without the stress of complicated paperwork!

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service allows you to check your account balance, view transaction history, and pay bills anytime, anywhere. We prioritize your security, so you can have peace of mind knowing that your personal information is protected. Need to send money quickly? Our person-to-person transfer feature makes it simple to send cash to friends or family without any hassle. Plus, if you're always on the move, our mobile application ensures you have access to your accounts right from your smartphone. Want to save trees and simplify your statements? With our e-statements availability, you can receive monthly statements digitally instead of in the mail. It's an eco-friendly choice that also keeps your documents organized.

Payment Options Made Easy

For those who enjoy the simplicity of mobile payments, we've got you covered! Our mobile payments feature lets you make purchases directly from your phone, ensuring a swift and convenient shopping experience. While we currently do not offer electronic signature authorization for transactions, rest assured that our other features are user-friendly and designed with your needs in mind. At Sea Comm, we're committed to making banking accessible and efficient for all our members. Join us today and take advantage of the ease that comes with digital banking!

Financial Strength

A Trusted Partner for Your Finances

Net Shares (Funds available for lending and investments): $496,982. Total Share and Deposit Accounts: 130,817, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sea Comm is your trusted partner. Visit us at 3349 State Route 11 Malone Ny 12953 or call (315) 764-0566 to learn more about how we can help you achieve your financial goals.

Continuous Growth and Support

With $120,283,884 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial with $5,363 in used auto loans and $436,952,913 in total loans and leases, supporting members' financial goals across various sectors. Our operations reflect our commitment to efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 125 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $184,095,402 in share certificates and $137,845,251 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $12,206,366, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $121,411,320, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,541 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $96,275,616 in used vehicle loans and $83,187,712 in new vehicle loans already helping members get on the road, we make it easy to finance your next vehicle. Our team is here to assist you with every step of the process and explore refinancing options if needed.

Business Financing

For business owners, our outstanding commercial loans totaling $51,523,829 provide the capital needed to grow and expand your business. We understand the unique challenges entrepreneurs face and are here to support you with financing solutions that fit your needs. At Sea Comm, we're committed to providing exceptional service and support for all your borrowing needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to take the next step in securing a loan or would like more information about our offerings and eligibility options, please visit us online or give us a call today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $22,935,480. We make buying or refinancing simple and straightforward so you can focus on making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $27,128,914 in loans helping members manage their finances effectively, our credit cards provide a convenient way to handle daily expenses while earning rewards.

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SEA COMM FEDERAL CREDIT UNION - Malone, NY