"The most important service of the credit union is the education of its members in management and control of their own money."   Roy F. Bergengren




What's New

Today's Loan Rates as low as...

Fixed Mortgage Call Us
Fixed Home Equity  3.00%
Home Equity LOC  4.25%
Consolidation Loan 9.90%
New Auto 1.79%
Auto "Refi" 2.29%
Used Auto 2.39%
VISA Credit Card 11.99%

Rates subject to change w/o notice

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(800) 843-5463

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(781) 438-3959 x210

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Calendar of Events

Holiday Closings:

Thanksgiving Day     

       Thurs., Nov. 22nd, 2017

Christmas Holiday     

       Sat., Dec. 23th, 2017

       Mon., Dec. 25th, 2017

News Years Holiday     

       Sat., Dec. 30th, 2017

       Mon., Jan. 1st, 2018

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










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Credit Union Products

Savings, Checking and Loan Accounts

Regular Shares (Savings)

product image When you join Stoneham m.e. FCU you initially open a Regular Share Account. As a shareholder, you become one of the owners of the credit union. It only takes $5 to open a Share Savings account and become a member. Dividends are compounded and credited monthly on Regular Shares with $100 or more.
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Share Drafts (Checking)

product image The Stoneham m.e. FCU Share Draft Account is designed for you. No minimum balance. No per transaction fee. Your money is at the tip of your pen - when and where you need it. You'll also find many other features that make our Personal Checking Accounts standout amongst the rest:
  • Free- First box of basic checks for new accounts
  • Free- First 2 boxes of basic checks per year for "Golden Age" members
  • Free- Remote service account access; 24/7 auto teller and online banking (available with E-Statement sign-up)
  • Free- Bill Payer for the first 6 months
  • Free- Direct deposit service
  • Free- Online checks reorder ability
  • ATM/VISA Check (debit) Cards
  • Dividends available with $500 balance or more
  • Overdraft Loan Protection available

 Business Checking Accounts are also available. Please ask our staff for details.

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All Purpose Shares

product image An All Purpose Share account is designed to help you save for those special purposes … vacation, taxes, education, wedding, insurance, etc. For convenience, you may arrange for automatic deposits from your payroll or direct deposit. Of course, you can make cash deposits at any of our branches as well.
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Club Accounts

product image Holiday Club - Save money throughout the year to help with your holiday expenses. You may open your Holiday Club Account at any time throughout the year, and you may make deposits and withdrawals at any time without penalty. The balance is transferred to an account of your choice in October of each year.


Vacation Club - This Club account is designed to help you save for a special purpose … vacation, taxes, education, wedding, insurance, etc. For convenience, you may arrange for automatic deposits from your payroll or allotment. Of course, you can make cash deposits at any of our branches. You'll earn high dividends on this special share account.


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Term Share Certificates

product image Term Share Certificates are investments featuring set dollar amounts with fixed terms and fixed rates.  It's a high-yield means of earning the maximum return on your deposit. Stoneham m.e. FCU offers a variety of share certificate options that provide ease and flexibility in starting an investment program. Please note that Share Certificates are subject to substantial penalties for early withdrawal.


Members under age 19 can earn "grown-up" dividends with the same great terms and rates as a regular certificate, but requiring only a $250 minimum.  The Youth Savings Certificate helps young people yield more for their savings sooner.

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Organizational Shares

product image This savings account is for member groups and businesses.  The minimum amount required to open the account is $5.00. An example of a member group is a D/B/A (Doing Business As) opened with the member's social security number.  Business accounts include the following type of organizations and must be opened with a Tax ID number:
  • Sole Proprietorships (w/ EINs)
  • Partnerships
  • Limited Liability Companies
  • Corporations
  • Government Agencies
  • Not-for-profit-Organizations

Note:  Loans are not offered to Organizational account holders.


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IRA Accounts

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Don't have a retirement plan at work? Perhaps an Individual Retirement Account would be beneficial in saving for the future. An Individual Retirement Account (IRA) is a sound way to save for retirement. A Stoneham m.e. FCU IRA allows you to save a portion of your earned income each year while earning competitive dividend rates.


Please note that IRAs are insured separately from your other deposit account(s) by the National Credit Union Administration (NCUA). IRAs are insured in the aggregate to $250,000 (ask us for an Insured Funds Brochure for more detail).


Stoneham m.e. FCU offers several investment options for  IRAs with no fees or maintenance charges:

  • Traditional Share & Share Certificate IRAs
  • Roth IRAs
  • Coverdell Educational IRAs

. Your IRA Share Account may be used for periodic contributions (including automatic deposits and transfers) throughout the year. Our high interest earning Traditional Share Certificate IRAs may be purchased with a minimum of $10,000 for a term of either 36 or 60 months.


Consult your tax advisor for clarification on tax implications (eligibility, contribution limits, deposit deadlines, etc.) and to help you make decisions regarding retirement and education investment options.

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Consumer Loans

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We offer a variety of personal loans at competitive low annual percentage rates to use for any purpose such as purchasing a new computer, paying off high interest credit cards, taking a family vacation and much more!


Personal & Co-signer Loan - Your good credit and a signature is all you need. Offering generous loan amounts for qualified members with terms up to 60 months.


Personal Line of Credit - It can replace the need for one or several signature loans. Once a line of credit has been approved you may borrow a minimum of $500 up to your credit limit. A definite advantage for this type of loan is the speed with which you will receive your money after the credit line has been established.


Consolidation Loan - Need to merge your debts? Maybe high interest credit cards are becoming a real nuisance. Whatever the reason, if you need up to $10K we can arrange it quickly at a reduced rate.


Auto Title Cash Loan - If credit scores are holding you back from obtaining cash quickly, this loan may be your best solution. Borrow using your paid-off car title as collateral plus enjoy a reduced interest rate compared to traditional personal loans.


Share Secured Loan - Your credit status or debt ratio is of no concern with this loan. Simply use your savings account as collateral for the equal amount and your loan is approved immediately. As the balance owed on the loan decreases, an equivalent amount becomes available in your savings.  You'll also pay a much lower interest rate while continuing to earn dividends on the savings.


Over Draft Line of Credit - This credit line works in conjunction with your Share Draft Account. It advances up to $1,500 to your checking account in the event checks are presented against insufficient funds, thereby saving you the cost and embarrassment of returned checks.Loan Single/Joint Application


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Automobile Loans

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You can get better performance out of your budget and more miles out of your money when you finance a new  or used vehicle loan at Stoneham m.e. FCU. Members can finance a new vehicle with no money down (100%) and used autos are financed up to 85% of their value.


Unhappy with your current vehicle loan elsewhere? 

Stoneham m.e FCU will gladly offer you our "Auto Transfer Loan" and transfer your existing balance and payments to us at our low rates.

  • Finance cars, trucks, vans and motorcycles
  • Pre-approvals are available
  • Extended terms up to 72 months on both new and used autos
  • Refinancing available — contact us to compare interest rates Loan Single/Joint Application

Recreational Vehicles - we also offer loans for motor homes, boats, jet skis and snowmobiles.


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Credit Cards

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With a Stoneham m.e. FCU Platinum VISA®, you'll have affordable credit at your fingertips whenever you need it most. No matter where your adventures take you, your low interest and no annual fee Platinum VISA® Credit Card is packed with everything you need for convenient purchasing power.
  • Low Rate
  • No Annual Fee
  • Limits up to $15K
  • eZCardInfo.com access - offering online management of your credit card account information, 24/7.Credit Card Single/Joint Application

New to the world of credit or wish to rebuild your credit history?

Our secured card could be the perfect choice. A Secured VISA Credit Card looks and functions just like a standard credit card but requires a share deposit equal to your credit limit.


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Home Equity Products

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Enhanced Home Equity Loans at Stoneham m.e. FCU will help you feel more secure about your borrowing decisions and your future. As a homeowner, you can use your home's equity to finance virtually anything, including home improvement projects, debt consolidation, family vacations, college tuition and much more!

Contact one of our Loan Representatives today and ask for the Home Equity Application Package that best fits your needs.

  • Both Fixed Rate Home Equity Loans and $100K Home Equity Line-Of-Credit programs offer Reduced or $300 Credit toward closing cost.
  • Make balance inquiries, obtain payment information or transfer loan payments through Stoneham m.e. FCU's FREE Online Banking program
  • Interest may be tax deductible (consult with your tax advisor) 

Home Equity Line-of-Credit Loans

  • Variable rate line-of-credits
  • Up to $100K LOC program for qualified members with rate set at prime rate (3.25% Min.)
  • Access your funds as often as you wish for up to 10 years
  • Borrow up to 80% of your home's equity
  • Purchase items or obtain cash advancements through Stoneham m.e. FCU's FREE check book system
  • $300 Credit toward closing cost (ask for details)

Home Equity Fixed-Term Loans

  • Low, fixed rates with terms for 5, 7, 10 and 12 years
  • Generous loan amounts up to $125K for qualified members
  • Borrow up to 80% of your home's equity
  • $300 Credit toward closing cost (ask for details)
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1st Mortgage Products and more

product image In search of the perfect home or is it simply time to refinance for that special purpose?  Let us help you finance it.  We offer low-cost, fixed rate 1st mortgages from 10 to 30 years plus many other home loan options; click here for Mortgage Rates. To learn more, contact one of our credit union staff at 781-438-3959 or 978-658-5394.


Applying Is Easy! ... click on our MortgageClick.  We will be glad to evaluate your status and help determine the best product to fit your needs.


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