Sea Comm Credit Union Massena NY | Best Auto Loans & Checking

Introduction

Welcome to Sea Comm, your trusted partner in financial well-being, located at 30 Stearns St, Massena, NY 13662. Since our establishment in 1963, we have proudly served our community with a commitment to providing exceptional banking services tailored to meet the unique needs of our members. With over 55,000 members and total assets exceeding $787 million, we are dedicated to making a positive impact on the lives of those we serve. At Sea Comm, we offer a wide range of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our robust portfolio includes a total loan balance of 30,974 loans and leases that help our members achieve their financial goals. We also maintain healthy deposits totaling $24,337,568, ensuring that your money is safe and accessible when you need it. Our leadership team is here to support you every step of the way. Led by CEO Scott Wilson and Board President Myron Burns, our dedicated staff of 131 employees is committed to providing personalized service that puts you first. Whether you're visiting us in person or using our convenient online and mobile banking options, we strive to make your experience as seamless as possible. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 30 Stearns Street, Massena, NY 13662. If you have any questions or need assistance, don't hesitate to reach out at 315-764-0566. Join us today and discover how Sea Comm can help you build a brighter financial future! Visit our website at seacomm.org for more information or to open an account online. Your journey towards better banking starts here!

Branch History & Mission

Community Engagement

Sea Comm believes in giving back. We actively engage in community outreach programs that address local needs and support various charitable initiatives. By partnering with local organizations, we aim to strengthen the fabric of Massena while enhancing the lives of those around us. Join us today! Experience firsthand how becoming a member of Sea Comm can benefit you financially while allowing you to participate in meaningful community efforts. Visit us or call us at (315) 764-0566 to learn more about opening an account or discovering the range of services we offer. Together, let's build a brighter future!

Our Evolution

From our humble beginnings, Sea Comm has seen significant milestones that reflect our dedication and growth. Over the years, we've expanded our services to include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking services. Our total assets now stand at an impressive $787 million, showcasing our stability and capability to serve our members effectively. Our physical branch is not just a place for transactions; it is a hub for community engagement. We are proud to offer convenient drive-thru banking services and 24/7 ATM availability for easy access to your funds. Our operating hours are designed to accommodate our members' schedules open from 8 AM to 5 PM Monday through Thursday, until 6 PM on Fridays, and from 9 AM to noon on Saturdays.

Our Mission

At Sea Comm, our mission goes beyond providing financial services; we strive to make a positive impact in the lives of our members and the surrounding community. We believe in empowering individuals with the resources they need to achieve their financial goals while fostering a spirit of cooperation and support among all members. Whether it's through offering competitive loan rates or assisting with financial education initiatives, we are dedicated to helping our community thrive. While members can visit us at 30 Stearns St Massena Ny 13662, official correspondence should be sent to 30 Stearns Street, Massena, NY 13662. We embrace modern technology with mobile banking options that allow you to manage your finances on-the-go. This commitment extends to ensuring ADA compliance so that all individuals can access our services without barriers.

Branch Location & Accessibility

Accessibility Features

At Sea Comm, we prioritize making banking easy for everyone. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and spacious parking areas. Whether you're visiting us in person or utilizing our drive-thru service for quick transactions, we strive to make your experience as smooth as possible.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 8 AM to 5 PM, on Friday from 8 AM to 6 PM, and on Saturday from 9 AM to 12 PM. Our friendly staff is ready to assist you during these hours, ensuring that your banking needs are met when it's most convenient for you.

Services Offered

At Sea Comm, we provide a wide range of services designed to cater to all your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our ATM is available for easy cash withdrawals and balance checks whenever you need them. While members can visit us at 30 Stearns St., official correspondence should be sent to our mailing address at 30 Stearns Street, Massena, NY 13662. If you have any questions or would like more information about our services, don't hesitate to give us a call at 315-764-0566. We invite you to come by and see how Sea Comm can help you achieve your financial goals today!

Member Eligibility

At Sea Comm, we believe that becoming a member is more than just opening an account; it's about joining a community that supports your financial goals. If you're looking to become part of our family, we welcome individuals who live, work, or attend school in our local area, as well as their family members. This inclusive approach ensures that everyone has the opportunity to enjoy the benefits of membership. You'll find that being a member at Sea Comm comes with numerous advantages, from competitive rates on loans to personalized service tailored just for you. Ready to take the next step? Opening an account is simple! Just visit us at 30 Stearns St Massena Ny 13662 or give us a call at (315) 764-0566 for more information. For detailed eligibility criteria. We can't wait to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services tailored to meet your everyday needs. Imagine a busy Saturday morning at your café our payment processing solutions allow you to accept various payment types seamlessly. This means more satisfied customers and quicker transactions, so you can focus on what truly matters: serving your patrons. Visit us at 30 Stearns St, Massena, NY 13662, or call us at 315-764-0566 to learn more about how Sea Comm can help your business thrive!

Supporting Business 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.

Comprehensive List Of Services

Business Banking

If you're a business owner, our Business Banking solutions include essential services like Merchant Services & Business Loans. We understand the challenges of running a business and are here to provide support that helps you thrive.

Credit Cards and Rewards

For those who love shopping and earning rewards, our Credit Cards with Rewards program offers fantastic benefits. You can earn points or cashback on purchases, making every dollar spent work harder for you.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but have busy schedules, our Basic Drive-Thru Banking makes it easy to handle deposits, withdrawals, and other simple transactions quickly. Plus, with our reliable ATM services available at multiple locations, accessing cash is always within reach. At Sea Comm, we prioritize making banking accessible and straightforward for all our members. With a team dedicated to serving you right here in Massena, we're ready to help you achieve your financial goals.

Get In Touch!

Ready to explore how our services can benefit you? Give us a call at (315) 764-0566 or visit us at 30 Stearns St Massena Ny 13662. Experience firsthand how we can support your financial journey today! For more information about what we offer, check out our website at 30 Stearns St..

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking services that allow you to manage your accounts from anywhere at any time. Need to check your balance or transfer funds? Just log into our mobile app or website! We also provide access to ATMs for quick cash withdrawals and basic transactions.

Personal Banking

Our personal banking services include Checking & Savings Accounts designed for everyday use. Imagine having the freedom to manage your money easily while earning interest on your savings. We also offer Auto Loans & Vehicle Financing to help you get behind the wheel of your dream car without breaking the bank. With our straightforward loan processes, you can focus on enjoying your new ride rather than worrying about payments. If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing options are here to make the process simple and stress-free. Additionally, our Personal Loans & Debt Consolidation services allow you to consolidate existing debts into one manageable payment, helping you take control of your financial situation.

Digital & Online Banking

Key Features

Our online banking platform allows you to easily access your accounts, check balances, and make transactions without stepping foot in a branch. You can also enjoy the benefits of e-statements, which means no more paper clutter just convenient, eco-friendly access to your account statements whenever you want. Need to send money to friends or family? Our person-to-person transfer feature makes it simple to send funds quickly and securely. Plus, if you're always on the go, our mobile application keeps all these features right in your pocket. Whether you're paying bills or checking recent transactions, everything is just a tap away.

Security and Accessibility

We prioritize your security with user-friendly features that help keep your information safe. While we do not currently offer electronic signature authorization, rest assured that our systems are designed with robust security measures to protect your data during every transaction. Embrace modern banking with our mobile payments feature, allowing you to pay for goods and services directly from your phone a fast and hassle-free way to manage everyday purchases. At Sea Comm, we believe that banking should fit seamlessly into your life. Our digital services are here to ensure that managing your money is straightforward and accessible, helping you focus on what truly matters. Explore all these features today by visiting https://www.seacomm.org/!

Financial Strength

At Sea Comm, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built on transparency, so let's dive into the solid financial foundation that supports our credit union. 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. This impressive net worth helps ensure that your deposits are safe and sound while providing you with the best possible returns. Our net worth ratio of 15.41% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio reflects our commitment to maintaining a strong cushion against any potential financial challenges. 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. These options not only enhance your savings but also help us lend responsibly to our community. 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 tailored to meet your needs. Our commitment extends beyond just numbers. 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. Your success is intertwined with ours, which is why we continuously strive for improvement. With $5,363 in used auto loans and $436,952,913 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to purchase a vehicle or fund other important life events, we're here to help you every step of the way. Our operational efficiency is highlighted by our $2,750,805, enabling us to continue offering competitive loan rates and solid financial products for our members. We believe that strong management translates into reliable service for you. We also take pride in having 125 full-time employees and 6 part-time employees who are always ready to assist you with a knowledgeable and committed team. Our staff is dedicated to ensuring you have the support you need when navigating your financial journey. With Net Shares (Funds available for lending and investments) at $496,982, we are well-positioned to support the needs of our growing member base. Speaking of growth, we proudly serve 130,817 share accounts an indication of the trust placed in us by our community. 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 30 Stearns St Massena Ny 13662 or call (315) 764-0566 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you need financing for a new ride or a reliable used vehicle, our dedicated team is here to assist you through every step of the process.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $51,523,829 provide the capital needed to expand your operations or invest in new projects. We understand that each business has unique needs and are committed to offering personalized solutions. At Sea Comm located at 30 Stearns St Massena NY 13662, we prioritize transparency and member service. For any questions or further information regarding our loan offerings, feel free to call us at 315-764-0566. We are here to support you on your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $22,935,480, providing you with the resources necessary to secure your ideal home. Our mortgage specialists can guide you through eligibility options and refinancing possibilities tailored to your circumstances.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $27,128,914 in loans available, our credit cards are designed to help members manage their finances effectively while enjoying rewards and benefits along the way.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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SEA COMM FEDERAL CREDIT UNION - Massena, NY

Type of Loan Offerings

Personal Loans

Vehicle Loans

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