Sea Comm Credit Union Potsdam NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Sea Comm, your trusted financial partner in Potsdam, NY! Located at 6 Sisson St, our branch has proudly served the community since 1963. With a commitment to helping our 55,187 members thrive, we are dedicated to providing personalized services that meet your unique financial needs. At Sea Comm, we believe in building relationships based on trust and reliability. Our total assets of $787,112,156 reflect our strong foundation and ability to support our members with a wide range of products and services. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. We also cater to businesses with tailored merchant services and business loans. Your financial security is important to us. With total deposits of $24,337,568 and a net worth of $121,411,320, we ensure that your money is safe and growing. Our skilled team of 131 employees, led by CEO Scott Wilson and Board President Myron Burns, is here to assist you every step of the way. While members can visit us at 6 Sisson St, official correspondence should be sent to the same address as our mailing address. If you have questions or need assistance, don't hesitate to call us at 315-764-0566. Join us today and discover how Sea Comm can help you achieve your financial goals! Visit our website at seacomm.org for more information or to start your journey with us.

Branch History & Mission

Welcome to the story of Sea Comm, a credit union that has been serving the Potsdam community since 1963. With a commitment to helping our members thrive, we have grown alongside the people we serve, becoming a cornerstone of financial support in Potsdam, NY. Our branch is located at 6 Sisson St, a convenient spot for our members near local landmarks and bustling community areas. From our humble beginnings, Sea Comm has steadily expanded to serve over 55,000 members with total assets of approximately $787 million. We take pride in offering a range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. Each year since our inception, we have focused on enhancing our services to meet the evolving needs of our community. Our mission is clear: to provide exceptional financial services while fostering a strong sense of community support. At Sea Comm, we believe that when our members succeed financially, the entire community thrives. This guiding principle drives us to offer personalized assistance and innovative solutions that empower individuals and families. While members can visit us at 6 Sisson St Potsdam Ny 13676, official correspondence should be sent to 6 Sisson Street, Potsdam, NY 13676. Our operating hours are designed with your convenience in mind: we're open Monday through Thursday from 8 AM to 5 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 PM. We also provide ATM access and drive-thru banking for quick transactions. In addition to traditional banking services, we embrace digital advancements that make banking easier for you. Whether you prefer online banking or mobile payments, Sea Comm is here to ensure your experience is smooth and efficient. As part of our commitment to the community, we actively engage in outreach efforts and partnerships that uplift those around us. By supporting local events and initiatives, we strive to make a positive impact beyond just financial transactions. We invite you to join Sea Comm today and experience firsthand the benefits of being part of a member-focused credit union dedicated to your success. Together, let's build a brighter future for Potsdam! For more information or assistance, feel free to call us at (315) 764-0566 or visit our website at Sea Comm.

Branch Location & Accessibility

Branch Features and Accessibility

At Sea Comm, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps for easy entry. We also offer ample parking, so you can visit us without any hassle. Whether you're stopping by for a quick transaction or need assistance with one of our services, our friendly staff is here to help.

Call To Action

We invite you to stop by Sea Comm today and experience firsthand how we can assist you with your financial goals. Whether you're a long-time member or new to our community, we look forward to serving you!

Operating Hours

We know your time is valuable, which is why we offer flexible operating hours. Visit us Monday through Thursday from 8 AM to 5 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 PM. These extended hours make it easier for you to fit banking into your busy schedule.

Services Offered

Sea Comm provides a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, we have solutions for everyone. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Plus, if you're looking for convenience, our drive-thru banking service makes it simple to complete transactions without leaving your vehicle. While members can visit us at 6 Sisson St, official correspondence should be sent to the same address. 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.

Member Eligibility

Joining the Sea Comm family means becoming part of a welcoming community where your financial needs are our top priority. To become a member at Sea Comm, you simply need to meet a few friendly criteria. If you live, work, or worship in St. Lawrence County or have family members who are already members, you're likely eligible! We're here to help guide you through the process of opening your account, which is as easy as reaching out to us. You can find more details about eligibility on our website. If you're ready to start your journey with us, simply visit https://app.loanspq.com/apply.aspx?lenderref=seacommfcu021621&list=ccplvlcbst to open your account online. For any questions, don't hesitate to call us at (315) 764-0566 we're always happy to assist you!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer merchant services that help streamline your payment processes. Imagine running your café and effortlessly accepting payments via card or mobile app, making transactions quicker and easier for both you and your customers. Our tools are built for efficiency, ensuring you spend less time managing payments and more time focusing on what matters growing your business. Located at 6 Sisson St Potsdam Ny 13676 in Potsdam, NY, we're here to assist you every step of the way. Let us help you take your business to the next level! For more information, call us at (315) 764-0566 or visit our website at Sea Comm.

Comprehensive List Of Services

Accessibility

We also provide basic drive-thru banking for deposits, withdrawals, and simple transactions for those who prefer face-to-face service without leaving their vehicles. Our ATM access allows for quick withdrawals and balance checks when you're on the go. At Sea Comm, we strive to create a welcoming environment where all members feel valued and supported. With an array of services from personal banking to business solutions, we are committed to serving the unique needs of our community. For more information about how we can assist you or to explore our services further, please don't hesitate to reach out at (315) 764-0566 or visit us online at Branch - Potsdam. Your financial journey starts here!

Business Banking

For our business members, we offer specialized services such as merchant services and business loans. We understand that running a business comes with its own set of challenges, so our team is ready to help streamline your banking needs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we've developed robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, our digital tools put your banking needs at your fingertips. You can even use our ATM and cash withdrawal services, available at locations near you for quick access to your funds.

Loans Made Easy

Life can be unpredictable, which is why we also offer personal loans and debt consolidation services. Whether it's an unexpected expense or consolidating existing debt into one manageable payment, we're here to assist you. Our credit cards with rewards make every purchase more rewarding, allowing you to earn benefits while you spend.

Personal Banking

Our personal banking options are designed with you in mind. We offer checking and savings accounts that fit your lifestyle, making it easy to manage your day-to-day finances. If you're considering purchasing a new car, our auto loans and vehicle financing options can help get you on the road quickly and affordably. For those looking to invest in their future home, we provide various mortgage loans and refinancing solutions that can simplify the process and save you money.

Digital & Online Banking

At Sea Comm, we understand that your time is precious. That's why our digital and online banking services are designed to provide you with convenience and security at your fingertips. Whether you're managing your accounts from home or on the go, we make it easy for you to stay in control of your finances. With our comprehensive online banking platform, accessible via https://www.seacomm.org/, you can view account balances, transfer funds, and pay bills anytime, anywhere. Our 24/7 online banking services ensure that you have access whenever you need it. You can even enjoy the benefits of e-statements, which means you can go paperless and easily keep track of your transactions without clutter. For those who prefer mobile banking, our user-friendly mobile application lets you manage your accounts directly from your smartphone. You can make person-to-person transfers with just a few taps, making it simple to send money to friends or family in real time. Plus, if you're always on the move, take advantage of our mobile payments feature to make purchases quickly and securely right from your device. Security is a top priority for us at Sea Comm. While we currently do not offer electronic signature authorization, rest assured that all your transactions are protected with robust security measures. We strive to give you peace of mind while managing your finances digitally. In today's fast-paced world, having quick access to your money is essential. With our digital banking services, you'll find everything you need to manage your financial life efficiently. Join us at Sea Comm and experience how easy banking can be!

Financial Strength

Commitment to Innovation

Our dedication to serving you is further illustrated by our $120,283,884 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $5,363 in used auto loans and $436,952,913 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Efficient Operations

Our $2,750,805 reflects our operational efficiency, 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 who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

Total Share Accounts at 130,817 show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $496,982 further demonstrate our capability to support you financially. 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 6 Sisson St Potsdam Ny 13676 or call (315) 764-0566 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

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.

Strong Financial Health

With a net worth of $121,411,320, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. 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.

Loan Offering

At Sea Comm, we understand that financial needs vary from person to person. That's why we offer a wide range of loan products tailored to help you achieve your goals whether you're buying a car, purchasing a home, or managing expenses. Located at 6 Sisson St, Potsdam, NY 13676, we're here to support our members in every step of their financial journey. With over 30,974 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular. 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. If homeownership is on your mind, consider our mortgage options. We provide Junior Lien 1-4 Family Residential Property loans totaling $22,935,480, making buying or refinancing simple and straightforward. For those who need flexibility in managing finances, our unsecured credit card loans are a great option. With a total of $27,128,914 in loans available, we aim to help our members handle their expenses efficiently. For business owners looking for capital to grow and expand their ventures, our outstanding commercial loans amounting to $51,523,829 can provide the necessary funding. Whether you're interested in refinancing options or want to learn about eligibility requirements for any of our products, feel free to reach out. You can contact us at 315-764-0566 for more information or visit our website at Sea Comm. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to helping you navigate your financial options with clarity and confidence!

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SEA COMM FEDERAL CREDIT UNION - Potsdam, NY

Type of Loan Offerings

Personal Loans

Vehicle Loans

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