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SMEFCU Membership

Serving the communities of Stoneham, Wilmington, North Reading, and Middleton. Become A Member

Self Service

View Fee Schedule, print applications & forms, locate ATMs, reorder checks, and learn about our TruStage Insurance Partnership Credit Union Resources

Credit Union Rates

Savings, lending, real-estate, and mortgage rates View Rates


Surcharge-Free ATMs & Real-Time Balance Checks

With the Allpoint Network, SMEFCU members will never be far away from surcharge-free ATM access to their cash, especially in the United States where Allpoint offers 43,000 cash machines in places they’re already visiting as part of their daily routine. Conveniently located in destination retail outlets, including major discount retailers, convenience, grocery, and pharmacy stores, Allpoint Network ATMs save our members time as well as ATM fees.

Allpoint ATM Locator

Matching Your Home Equity Dreams

SMEFCU offers Home Equity Line-of-Credits and Fixed Rate Home Equity Loans. Low Closing Cost Options Available! The credit union will pay the first $300 of your closing cost with a $20,000 initial draw amount or more. View Home Equity Rates

The ULTIMATE ATM/Visa Check Card

Our ATM/Visa Check Card is the smarter way to pay. A Check Card (also known as a Debit Card) allows you to purchase what you want, anywhere Visa is accepted. Check Cards are quicker than making visits to the credit union, more convenient than writing checks, and safer than carrying cash. Apply for an ATM/Visa Check Card Today