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    • Stoneham Branch
      • Stoneham Fax – (781) 438-6224
      • 40 Pine Street Stoneham, MA 02180
      • Stoneham Hours
    • Wilmington Branch
      • Wilmington Fax – (978) 988-0727
      • 200 Jefferson Road Wilmington, MA 01887
      • Wilmington Hours
    • Lost Or Stolen Cards
      • ATM/Debit/Check Cards: (781) 438-3959 x210
      • ATM/Debit/Check Cards (After regular business hours): 1-800-472-3272
      • VISA Credit Cards: (800) 449-7728
      • VISA Credit Cards (Out of country): (727) 299-2449
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SMEFCU

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SMEFCU

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Routing #: 211386005
NMLS #: 1039342

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Your savings 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.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

  • Home Banking
  • Mortgage Click
  • VISA Credit Card Login
  • Loan Applications

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  • Home
  • Mobile Banking
    • Overview
    • Download for Android
    • Download for iPhone
  • Products & Services
    • Shares
      • Regular Shares
      • Share Drafts
      • All Purpose Shares
      • Term Certificates
      • IRA Accounts
    • Loans
      • Consumer Loans
      • Auto Loans
      • Credit Cards
      • Home Equity
      • 1st Mortgage
      • Mass Save
      • Student Loans
    • Resources
      • Fee Schedule
      • Applications
      • Forms
      • ATM Locator
      • Reorder Checks
      • Insurance
    • Online Services
      • Home Banking
      • Mortgage Click
      • AccessPoint
  • Rates
    • Savings
    • Term Share Certificates
    • Consumer Loans
    • Auto Loans
    • Real Estate
    • Credit Cards
  • About Us
    • Who We Are
    • Membership
    • Notices
  • Contact Us
    • Stoneham Branch
      • Stoneham Fax – (781) 438-6224
      • 40 Pine Street Stoneham, MA 02180
      • Stoneham Hours
    • Wilmington Branch
      • Wilmington Fax – (978) 988-0727
      • 200 Jefferson Road Wilmington, MA 01887
      • Wilmington Hours
    • Lost Or Stolen Cards
      • ATM/Debit/Check Cards: (781) 438-3959 x210
      • ATM/Debit/Check Cards (After regular business hours): 1-800-472-3272
      • VISA Credit Cards: (800) 449-7728
      • VISA Credit Cards (Out of country): (727) 299-2449
    • Holiday Closings
  • Stoneham – (781) 438-3959
  • Home Banking
  • Mortgage Click
  • VISA Credit Card Login
  • Loan Applications
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External Site Notice

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Home Equity Line of Credit Terms

Rates effective 4/1/2019 and are subject to change. The current interest rate of 5.50% APR* is a variable rate based on the Prime Rate, with a floor of 4.000% APR* and maximum ceiling of 18% APR*. Rate shown is based on 80% LTV. Other home loan products, rates and terms available. Interest may be tax deductible (consult your tax advisor). **An initial advance of $25,000 is required for a period of 6 billing cycles to qualify for no closing costs. A $350 early cancellation fee applies if the line is closed or paid off within the first 24 months. Primary Residence only. Subject to credit approval. Limited Time Offer.

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