Welcome Wakefield Town Employees!

We are pleased to announce the merger of Wakefield Town Employees Federal Credit Union and Stoneham Municipal Employees Federal Credit Union. We are excited to welcome Wakefield Town Employees Federal Credit Union to the Stoneham Municipal Employees Federal Credit Union family.

We are here to help

Wakefield Town Employees are now able to fully utilize all of the credit union’s branches, and online services. We hope you will find the information provided on this page useful in understanding the products and services available to you.

For assistance or questions, please call the Wakefield Branch at 781-245-9331 or our main number at 781-438-3959. You may also inquire via email at: membercare@smefcu.org. Please do not include any account or confidential information via email.

Click Here to learn more about what your Stoneham Municipal Employees Federal Credit Union membership offers.


Holiday Loans and Skip-A-Pay

Everyone can use a hand this time of year. See how Stoneham M E Federal Credit Union can help make your holidays a little brighter. Stoneham M E Federal Credit Union’s Skip-A-Pay program or Holiday Loan are the perfect holiday helpers and can take away the stress of holiday expenses.

Holiday Loans1 feature an Annual Percentage Rate of 7.99%, 12-month term, and no payment for 60 days. Click here to Apply! 

Skip-A-Pay2 allows you to defer your loan payment until after the holidays for only $10.00 per loan. Click Here to learn more and access the Skip-A-Pay Request Form. 

Online Banking

You can enroll for online banking with your new account number by following the steps below:

  • Click on Home Banking.
  • Click on the Proceed button (this is a notice to let you know you are leaving smefcu.org in order to login into the online banking platform)
  • Click on the Enroll in the online banking link.
  • Complete the verification step by checking the box "I'm not a robot", complete the reCAPTCHA challenge and then click continue.
  • Fill out the requested information and hit Next to complete the setup of your login ID and security code (password).

Mobile Banking

After you enroll in online banking you can enable and download our mobile banking app. Visit your app store on your mobile device to download the Stoneham M E Federal CU app:

Download for Android of iPhone

Use the login ID and security code (password) you created for online banking to access Mobile Banking.

ATM Locator

With the Allpoint Network, you’ll never be far away from surcharge-free ATM access in places you’re already visiting as part of your 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.

Visit a Branch Location

Stoneham Main Office - Full-Service Branch
40 Pine Street
Stoneham, MA 02180

Monday & Tuesday          9:00 a.m. - 4:30 p.m.
Wednesday                          9:00 a.m. - 2:30 p.m.
Thursday & Friday            9:00 a.m. - 5:30 p.m.

Wakefield - Limited-Service Branch
47 Tuttle Street
Wakefield, MA 01880

Monday & Tuesday          9:00 a.m. - 2:00 p.m.
Wednesday                          CLOSED
Thursday & Friday            9:00 a.m. - 2:00 p.m.

Wilmington - Full-Service Branch
200 Jefferson Road
Wilmington, MA 01887

*Closed daily for lunch   11:30 a.m. - Noon

Monday & Tuesday          9:00 a.m. - 4:30 p.m.
Wednesday                          9:00 a.m. - 2:30 p.m.
Thursday & Friday            9:00 a.m. - 5:30 p.m.

  1. Rate effective as of 10/1/23 for new holiday loans only and does not apply to existing SMEFCU loans. Rate is subject to change without notice. Payment per $1000 borrowed for 12-month term is $86.98. Loan amounts up to $10,000 are available through 2/1/24.
  2. Reduced fee of $10.00 per loan is available through January 21, 2024. See Skip-a-Payment Request form for additional program details and other conditions that apply. Skip-a-payment is only available on certain loans.