"Credit Unions have long impressed me as a major tool to help people solve their own financial problems."  Wright Pattman




What's New

Today's Loan Rates as low as...

Fixed Mortgage 2.75%
Fixed Home Equity  2.75%
Home Equity LOC  3.25%
Consolidation Loan 9.90%
New Auto 1.79%
Auto "Refi" 1.75%
Used Auto 2.39%
VISA Credit Card 11.99%

Rates subject to change w/o notice

Report Lost or Stolen Cards

Credit Card:

(800) 843-5463

ATM/Debit Card:

(781) 438-3959 x210

After Hours: (800) 472-3272

Share Our Website With A Friend!

CTR Reference Guide

Click here for an explanation why Currency Transaction Reports are required and completed by financial institutions.

Access24 Phone#s!

(781) 438-3092 & (978) 658-2122  Make use of our audio response, auto-teller service - available 24/7 for easy access to your accounts


Pay your credit card bill and manage your account conveniently online with eZCardInfo.

"Don't Tax My CU"!

Send that strong message to your U.S. Legislators today.

Calculator Tools!

Simply click here and go to the "Calculators" link on the next page for both Loan & Savings Calculators

1st Mortgage Online Apps!

View Rates, Products & Apply Online

Free Credit Reports!

Available once every 12 months

ATM Withdrawal Locations!

Click Here for our worldwide Allpoint surcharge-free ATMs

Invest In America!

Receive cash back on purchases and discounts from 1,200 retailers

The MoneyLine Expre$$!

Click Here for our Qrtrly Newsletter

2013 Annual Report!

Click Here for our Annual Report

Deposit Slip & Reconciliation Forms!

Click Here for Online Forms





Calendar of Events

Holiday Closings:

Veterans Day     

       Wed., Nov 11th, 2015

Thanksgiving Day     

       Thurs., Nov 26th, 2015

Christmas Holiday     

       Thurs., Dec 24th, 2015

  • Stoneham Close: 12:00 PM
  • Wilmington Close: 11:30 AM

       Fri., Dec 25th, 2015

       Sat., Dec 26th, 2015

New Years Holiday     

       Thurs., Dec 31st, 2015

  • Stoneham Close: 12:00 PM
  • Wilmington Close: 11:30 AM

       Fri., Jan 1st, 2016

       Sat., Jan 2nd, 2016

Branch Hours:


Mon, Tue, & Fri      9:00-4:30

Wed                      9:00-3:00

Thu                       9:00-6:00

Sat                        9:00-12:00


Mon, Tue, & Fri      8:30-11:30


Wed                      8:30-11:30


Thu                       8:30-11:30










Member Cellular Discounts with Sprint


Save on Car Insurance. Get a quote.



Member Cellular Discounts with Sprint











Applications and Request Forms


A credit union representative will be in touch with you within two business days, once your application is received and all information is verified complete. Depending on the specific application, you may want to send it to us electronically or have the option to fax / drop it off / mail it to one of our two convenient credit union branches.


Apply Online


Click below for the Application Form of your choice:


* Consumer Loan - personal, automobiles, etc.


* Consumer Joint Loan- personal, automobiles, etc.


* VISA Credit Card


* VISA Joint Credit Card


* Mortgage Pre-Qualifying Application


* Home Banking - Click on "Enroll Online"

Note: Home Banking includes free monthly E-Statements



For Other Member Request Forms:

Log into Home Banking 24, click on the Self Service tab and select the "Quick Link" of your choice.

  • Check Reorder
  • Check Copy
  • Check Stop Pay
  • Travel Notification
  • Cross Member Access
  • Certificate of Deposit Application
  • Credit Card Balance Xfer Request
  • Bill Payer - click "Bill Payer" tab


Forms for Download or Print


For Loan Applications:


Visa Credit Card Application

Visa Joint Credit Card Application

Over Draft Protection Application

* Instructions for Consumer Loan Applications *

Consumer Loan Application - personal, autos, etc.

Consumer Joint Loan Application - personal, autos, etc.

For Other Member Request Forms:

Membership Application

ATM/Visa Check Card Application

Checking Account "Switch Kit" - Application & Instructions

Dormancy Acknowledgement Form

"Deposit Slip" Form (3 slips per page)

Share Draft Reconciliation - Balancing Form

For Other Forms:

Employment Inquiries

Please contact our HR Department directly by:

Calling Brenda Ward at (781) 438-3959, x217 or

E-mailing at brenda@smefcu.org

Thank you