Sea Comm Credit Union Watertown NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sea Comm, your trusted financial partner in the heart of Watertown, NY. Established in 1963, we have proudly served our community for over six decades, fostering strong relationships with our 55,187 members. Located at 20565 State Route 3, our branch is dedicated to offering personalized banking solutions that cater to your unique needs. Whether you're looking for a reliable checking account, an auto loan, or support for your business endeavors, we're here to help you every step of the way. At Sea Comm, we manage total assets of $787,112,156 and maintain a healthy net worth of $121,411,320, reflecting our commitment to financial stability and growth. With $24,337,568 in deposits and a total loan portfolio of 30,974, we are well-equipped to provide competitive rates and services that empower our members. We understand that every member's journey is different; that's why we focus on delivering exceptional service through various channels including online banking and mobile payments. Our leadership team is committed to your success. Under the guidance of CEO Scott Wilson and Board President Myron Burns, we strive to create a welcoming environment where you can feel confident managing your finances. Our dedicated staff of 131 employees is here to ensure that your experience with us is nothing short of excellent. While members can visit us at our branch location in Watertown, official correspondence should be directed to our mailing address: 30 Stearns St, Massena, NY 13662-2310. Ready to take the next step? Contact us today at 315-782-6476 or explore our services at Sea Comm. Together, let's build a brighter financial future!

Branch History & Mission

At Sea Comm, we take pride in our rich history and unwavering commitment to the community of Watertown, NY. Since opening our doors in 1963 at 20565 State Route 3, we have grown from a small credit union into a trusted financial institution that serves over 55,187 members. Our journey has been marked by dedication to not only providing exceptional financial services but also supporting the local community in meaningful ways. As we evolved over the years, our total assets have reached an impressive $787,112,156, reflecting our growth and stability. We offer a wide range of services, including personal banking, auto loans, mortgage loans, and business banking solutions. Our commitment to innovation is evident through our online and mobile banking options, making it easy for our members to manage their finances anytime and anywhere. Our mission at Sea Comm is simple yet powerful: to empower our members with the tools and resources they need to achieve their financial goals while fostering a sense of community. We believe that everyone deserves access to quality financial services that are both affordable and convenient. This belief drives us to ensure that we remain accessible through various channels including ATMs and drive-thru banking services. While members can visit us at 20565 State Route 3, official correspondence should be sent to 30 Stearns St, Massena, NY 13662-2310. Our operating hours are Monday through Thursday from 8:00 a.m. to 5:00 p.m., and Friday until 6:00 p.m., allowing flexibility for all our members. Beyond banking, Sea Comm actively engages in community outreach initiatives and partnerships aimed at uplifting those around us. We recognize that a strong community is built on collaboration and support, which is why we participate in various programs designed to enhance the quality of life for residents in Jefferson County. We invite you to join Sea Comm today and experience firsthand the benefits of membership. Together, let's build a brighter financial future! For more information or to become a member, call us at 315-782-6476 or visit our website at Sea Comm.

Branch Location & Accessibility

Get in Touch

Have questions or want more information? Don't hesitate to give us a call at 315-782-6476! We invite you to stop by Sea Comm at 20565 State Route 3 or visit our website at seacomm.org for more details about our services. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility

Located near the bustling heart of Watertown, our branch is close to several local landmarks that make it easy to find us. You can spot us just a short drive from Thompson Park, a great spot for relaxation and outdoor activities. We pride ourselves on ensuring accessibility for all members, featuring ADA-compliant entrances and ramps that make visiting our branch comfortable for everyone.

Operating Hours

We understand that life can get busy, which is why we offer flexible banking hours to suit your schedule. Visit us Monday through Thursday from 8:00 a.m. to 5:00 p.m., and on Friday from 8:00 a.m. to 6:00 p.m. Our dedicated team is ready to assist you during these hours with all your banking needs.

Parking and Drive-Thru Services

When you arrive at Sea Comm, you'll find ample parking available right outside the entrance, so you can quickly hop in and out without any hassle. Plus, if you're on the go, take advantage of our drive-thru service! It's perfect for quick transactions like deposits and withdrawals without needing to leave your car.

Services Available

At Sea Comm, we offer a variety of services tailored to meet your financial goals. From checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards there's something for everyone. Need cash? Our ATM is available onsite for quick access to your funds anytime.

Member Eligibility

At Sea Comm, we believe that becoming a member is like joining a warm and welcoming family. If you live, work, or go to school in our community, you're likely eligible to join us! We're here to support you with a range of financial services tailored to your needs. Whether you're looking for checking accounts, auto loans, or simply want to save for the future, being part of our credit union gives you access to friendly service and competitive rates. To learn more about the specific eligibility criteria, feel free to visit our website. Opening an account is simple and straightforward! You can get started by visiting this link: https://app.loanspq.com/apply.aspx?lenderref=seacommfcu021621&list=ccplvlcbst. If you have any questions or need assistance, don't hesitate to give us a call at (315) 782-6476. We look forward to welcoming you to the Sea Comm family at 20565 State Route 3 Watertown Ny 13601!

Business Banking & Commercial Services

Commercial 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 comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly from customers, whether they're paying by card or mobile device. This convenience not only enhances customer satisfaction but also boosts your sales potential. Visit us at 20565 State Route 3 Watertown Ny 13601 in Watertown, NY, or call us at (315) 782-6476 to learn more about how our Business Banking & Commercial Services can empower your business's success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're ready to hit the road, look no further than our auto loans and vehicle financing options. We provide competitive rates and flexible terms, making it easier for you to drive away in the car you want without stretching your budget. Picture yourself cruising around town in a new vehicle our team will work with you every step of the way.

Business Banking

For entrepreneurs and small business owners, our business banking solutions are crafted to support growth and success. From merchant services that simplify transactions to customized business loans, we're here to help your venture thrive.

Credit Cards with Rewards

Enjoying everyday purchases has never been more rewarding! With our credit cards featuring rewards, every swipe gets you closer to exciting perks like travel points or cashback. Picture treating yourself to something special just by using your card wisely.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts from anywhere. Need to check your balance or transfer funds? Simply log in from your smartphone or computer it's that easy! Plus, our ATM services ensure that cash withdrawals are always within reach.

Drive-Thru & ATM Services

For those quick transactions, we provide basic drive-thru banking for deposits, withdrawals, and simple tasks. Our ATMs also allow for easy cash access and balance checks without stepping inside the branch. At Sea Comm, we believe everyone deserves personalized service that fits their lifestyle. If you're ready to explore how we can assist you on your financial journey, give us a call at (315) 782-6476 or visit us today! Let us be part of your financial success story!

Mortgage Loans & Refinancing

Buying a home is one of life's biggest decisions, and at Sea Comm, we're committed to making it as straightforward as possible. Our mortgage loans and refinancing options allow you to secure the home of your dreams or reduce your monthly payments on an existing mortgage. Imagine stepping into your new home with confidence, knowing you've made a smart financial choice.

Personal Banking

Whether you're opening your first checking account or saving for a dream vacation, our personal banking services are designed with you in mind. We offer a variety of checking and savings accounts that fit different lifestyles, ensuring you have access to your money when you need it. Imagine the peace of mind you'll feel knowing that your savings are safe and earning interest while you plan for the future.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services designed to give you financial relief when you need it most. Whether it's covering medical bills or consolidating debt into one manageable payment, our loans can help lighten the load.

Digital & Online Banking

Key Features of Our Online Banking Services

With our 24/7 online banking services, you can check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our user-friendly mobile application makes it simple to manage your finances with just a few taps. You can also take advantage of person-to-person transfers, making it easy to send money to friends or family without any hassle. For those who prefer going paperless, we offer e-statements that allow you to view and download your bank statements conveniently. Plus, our electronic signature authorization feature streamlines document signing for faster transactions no need for printing or mailing.

Security and Convenience

We prioritize your security while providing these convenient services. Rest assured that your information is protected with top-notch security measures, so you can bank confidently online. Whether you're using mobile payments or accessing our site from a desktop, our systems are designed with your safety in mind. In summary, Sea Comm is committed to making banking accessible and straightforward for our members. Enjoy real-time account management and peace of mind knowing that help is just a call away at (315) 782-6476 whenever you need it. Experience the freedom of digital banking today!

Financial Strength

Efficient Operations

Our operations reflect our commitment to efficiency. Currently, we report a net income of $2,750,805, allowing 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.

Growing Membership Base

Total Share Accounts stand at 130,817, showing a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments) totaling $496,982, we're well-positioned to help you achieve your financial aspirations. In conclusion, 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 20565 State Route 3 Watertown Ny 13601 or call (315) 782-6476 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Your 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.

Our Solid Financial Foundation

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 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.

Reinvestment in Services

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. Additionally, 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.

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 are dedicated to making your car-buying experience smooth and affordable. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got options that suit your budget.

Commercial Loans

For business owners looking to expand their operations, our outstanding commercial loans totaling $51,523,829 provide the capital needed to grow and thrive in today's competitive market. We understand that every business has different needs; that's why we work closely with each client to tailor solutions that meet specific goals.

Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we provide flexible terms on unsecured credit card loans, with a total of $27,128,914 in loans helping members manage their finances effectively. These cards come with benefits designed to reward your spending while giving you peace of mind.

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, allowing you to take a step toward owning your dream home without unnecessary hurdles. Our team is here to guide you through the process and ensure that you understand all available financing options.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines, our team is ready to discuss eligibility options with you. We aim to provide solutions that not only simplify your payments but also save you money over time. At Sea Comm, we are committed to transparency and member service excellence. 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. Feel free to visit us or give us a call today! We're excited to help you navigate your financial journey with confidence.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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SEA COMM FEDERAL CREDIT UNION - Watertown, NY

Type of Loan Offerings

Personal Loans

Vehicle Loans

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Loan rates in Watertown, NY (13601)