Covid 19 Information

Updated 4/9/2020

To Our Valued Members:
Effective Monday, April 13, 2020, the Melrose First Branch will be temporarily closed.

For full service please visit our nearby locations:
40 Pine St., Stoneham, MA or
200 Jefferson Rd, Wilmington, MA
Office hours are by appointment only, and must be pre-arranged ahead of time, by calling the credit union at 781-438-3959.
Monday – Friday 9:00 am to 2:00 pm and closed on Saturday.

Press 5 to be connected to the Stoneham branch.
Press 6 to be connected to the Wilmington branch.

Learn about our Coronavirus Relief programs

Visit our website for up to date information.

Please remember: you do not have to physically come to our banking offices to conduct your normal banking. We have many services and resources available for you to bank remotely:
Allpoint Atm Network, Online Banking and Bill Pay Service, Mobile Banking and Secure Deposit Drop Boxes for CHECK deposits only, located in Wilmington and Stoneham. Drop box transactions are processed at regular intervals throughout the day.

Online Banking Login

Mobile App Downloads:

Allpoint ATM Locator Site & App

If you do not have a SMEFCU debit card, now is the time to get one. Please call Member Services at 781-438-3959 press 1 or 2.

It is important to remember that there is no safer place to have your money right now than this credit union. Your money is safe, secure and federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

Please be aware: Scammers are taking advantage of fears surrounding the Coronavirus. Please visit to learn more.

Our intent is to allow access to the credit union as long as we can. However, as information is changing on an hourly basis, we will do what is needed to protect the health and safety of our members and our employees.
I thank you for being a member of the credit union, today and in the future, and we appreciate your understanding and support during this challenging time.

We wish all our members good health in the days to come.

Ann Marie Waugh