Sea Comm Credit Union Essex Junction VT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sea Comm, your trusted financial partner in the heart of Essex Junction, Vermont! Located at 25 Carmichael St, our branch has been serving our community since 1963. We pride ourselves on building strong relationships with our 55,187 members, providing personalized banking solutions tailored to meet your needs. At Sea Comm, we understand that every member's financial journey is unique. With total assets exceeding $787 million and total deposits of $24,337,568, we are well-equipped to support you through various stages of life. Whether you're looking for auto loans, mortgage options, or personal banking services, our dedicated team is here to guide you every step of the way. Under the leadership of CEO Scott Wilson and Board President Myron Burns, we focus on creating a welcoming environment where everyone feels valued. Our team of 131 employees is committed to delivering exceptional service and ensuring that your financial goals are met with care and expertise. While members can visit us at 25 Carmichael St, official correspondence should be sent to 25 Carmichael Street, Essex, VT 5452. If you have any questions or need assistance, feel free to reach out at 800-764-0566. Explore our services today by visiting Sea Comm's website or stop by to see how we can help make your financial dreams a reality!

Branch History & Mission

Join Us

As we continue this journey together with our growing membership base and unwavering commitment to community service, we invite you to become part of the Sea Comm family. Discover the benefits of joining a credit union where your voice matters and your financial wellbeing is our priority. Call us at 800-764-0566 or visit our website today to learn more about how we can help you achieve your financial dreams!

Our Evolution

Since opening our doors, Sea Comm has evolved significantly. We started with a small group of dedicated individuals who aimed to provide financial services tailored to the needs of the local community. Over the decades, we have expanded our offerings beyond traditional banking. Today, our services include personal banking accounts, auto loans, mortgage refinancing, business banking solutions, and more. We are proud to say that we have remained committed to providing affordable financial options that empower our members to achieve their goals. Our headquarters is based in Massena, NY, but our heart lies in Essex Junction. We've embraced technological advancements like online banking and mobile applications to ensure that banking with us is convenient and efficient. Furthermore, we prioritize accessibility by ensuring our facilities comply with ADA standards.

Our Mission

At Sea Comm, our mission goes beyond just providing financial services; it's about uplifting our community. We strive to create positive change through various outreach programs and partnerships within the area. We believe that by supporting local initiatives and being actively involved in community events, we can make a real difference in the lives of those we serve. With features such as drive-thru banking and ATM availability at our branch, we aim to offer all members an experience that is both personal and convenient. Whether you're making a deposit or exploring loan options, our dedicated staff is here to assist you every step of the way. While members can visit us at 25 Carmichael St for their banking needs, official correspondence should be sent to 25 Carmichael Street, Essex, VT 5452.

Branch Location & Accessibility

Get in Touch

We invite you to visit us at Sea Comm or give us a call at 800-764-0566 for any questions or assistance. Our friendly staff is eager to help you navigate your financial journey. Come experience the personalized service that sets us apart from the rest!

Nearby Landmarks and Accessibility

Finding us is a breeze! We're just a stone's throw away from popular local spots and easily accessible by public transport. With ample parking available right outside our doors, visiting our branch is hassle-free. Our facility is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone feels welcome.

Operating Hours That Suit Your Schedule

At Sea Comm, we understand that your time is valuable. That's why we offer flexible operating hours: - Monday through Thursday from 8:00 a.m. to 5:00 p.m. - On Fridays, we're open until 6:00 p.m. - We're closed on Saturdays. These hours make it easy for you to stop by after work or during your lunch break.

Services Tailored for You

Our branch provides a variety of essential services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, enjoy the convenience of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. And if you need cash on the go, our ATM is always available!

Member Eligibility

At Sea Comm, we believe that everyone deserves the opportunity to be part of a caring and supportive financial community. Becoming a member is simple! If you live, work, or worship in our local area, you're likely eligible to join us. We welcome individuals from all walks of life, and we are particularly passionate about helping those who may not have access to traditional banking services. For more detailed information about eligibility criteria, feel free to check out this resource. Opening an account is just as easy! Simply visit us at our branch located at 25 Carmichael St Essex Junction Vt 05452 or give us a call at (800) 764-0566 for assistance. You can also start your journey online by following this link: https://app.loanspq.com/apply.aspx?lenderref=seacommfcu021621&list=ccplvlcbst. Once you're a member, you'll enjoy a range of benefits designed to help you achieve your financial goals while being part of a community that truly cares. Join us today and experience the difference at Sea Comm!

Business Banking & Commercial Services

At Sea Comm, we understand that every business has its own unique challenges and opportunities. That's why we offer tailored solutions to help local businesses thrive right here in Essex Junction, VT. Our commercial loan options are designed not just to provide funding, but to empower you on your path to success. Imagine a small café owner who dreams of expanding their menu and seating capacity. With our support, they can secure a member commercial loan and access over $121 in funding, allowing them to invest in the equipment and renovations needed for growth. For those outside our membership, we also extend our services to the broader community with $37 available, ensuring everyone has the chance to pursue their business aspirations. 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. Additionally, our merchant services simplify transactions for your business. Whether you're processing payments or managing cash flow, we provide practical tools that help streamline operations, giving you more time to focus on what matters most growing your business. Visit us at 25 Carmichael St Essex Junction Vt 05452 or call us at (800) 764-0566 to explore how we can partner together for your success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, Sea Comm offers robust business banking solutions. From merchant services that simplify transactions to business loans tailored for growth, we're committed to helping your business thrive.

Credit Options

When life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the financial relief you need. Plus, enjoy the benefits of our credit cards with rewards that let you earn while you spend perfect for everyday purchases or special occasions.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking services. You can manage your accounts anytime, anywhere through our user-friendly app or website. Need cash? Our ATM services are readily available for quick withdrawals and balance checks.

Easy Access Banking

For those who prefer face-to-face interactions, we also offer basic drive-thru banking for deposits and simple transactions because sometimes it's nice to chat with someone in person! Our branch is open Monday through Friday with extended hours on Fridays to accommodate your busy schedule. --- If you're ready to explore all that Sea Comm has to offer or have any questions about our services, don't hesitate to reach out at (800) 764-0566. We look forward to serving you! Visit us today at 25 Carmichael St Essex Junction Vt 05452, or check out our website at Branch - Essex for more information on how we can assist you with all your financial needs!

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit various lifestyles, ensuring that managing your money is as easy as possible. If you're in the market for a new vehicle, check out our auto loans and vehicle financing options, which can help you hit the road without breaking the bank. For those dreaming of homeownership or looking to refinance their current mortgage, our mortgage loans provide competitive rates and flexible terms to make your dreams a reality.

Digital & Online Banking

Additional Features

Need to send money quickly? Our person-to-person transfer feature enables you to send funds instantly to friends or family members, making sharing expenses hassle-free. And if you prefer going paperless, our e-statements option allows you to receive your account statements electronically helping you stay organized while reducing clutter. With all these tools at your disposal, Sea Comm makes managing your finances effortless and efficient. Explore everything we have to offer by visiting us online today!

Enhanced Security

We prioritize your safety with secure login features and robust protections for all transactions. Although we do not currently offer electronic signature authorization, rest assured that your data is always safeguarded. Our system is designed to be user-friendly, ensuring that even if you're new to digital banking, you'll find it easy to navigate.

Key Services

Our online banking platform allows you to easily check balances, pay bills, and transfer funds with just a few clicks. Whether it's day or night, you can manage your money in real-time without needing to visit a branch. For those who prefer mobile solutions, our mobile application lets you handle transactions from your smartphone. Plus, enjoy the convenience of mobile payments, making purchases easier than ever.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 130,817, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $496,982. 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 25 Carmichael St Essex Junction Vt 05452 or call (800) 764-0566 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 supports your financial goals across various sectors with $5,363 in used auto loans and $436,952,913 in total loans and leases.

Member-Focused 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.

Operational Efficiency

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.

Strong 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 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

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're interested in financing a new vehicle or a reliable used one, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $51,523,829 provide the capital needed to grow and expand your business. We know how crucial it is for businesses to have access to funds when they need them most. If you're considering refinancing any of these loans or checking your eligibility for specific products, don't hesitate to reach out to us. Our dedicated team at our branch located at 25 Carmichael St Essex Junction Vt 05452 is ready to assist you. You can give us a call at 800-764-0566 during our operating hours: Monday - Thursday from 8:00 a.m. to 5:00 p.m., and Friday from 8:00 a.m. to 6:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Sea Comm help you take the next step towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $22,935,480. Our team is here to guide you through every step of the process so you can find the right solution for your housing needs.

Unsecured Credit Cards

We also provide 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 come with competitive interest rates and rewards programs designed to benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you can trust that the offers presented are fair and transparent. LendMesh prioritizes accuracy, ensuring that every loan comparison reflects current market conditions.

SEA COMM FEDERAL CREDIT UNION - Essex Junction, VT

Type of Loan Offerings

Personal Loans

Vehicle Loans

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Loan rates in Essex Junction, VT (05452)