"Human Service really is the only reason for the existence of our credit unions."                Charles F Eikel, Jr.





What's New

Today's Loan Rates as low as...

Fixed Mortgage 2.99%
Fixed Home Equity  2.75%
Home Equity LOC  3.50%
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

Report Lost or Stolen Cards

Credit Card:

(800) 843-5463

ATM/Debit Card:

(781) 438-3959 x210

After Hours: (800) 472-3272

Share Our Website With A Friend!

CTR Reference Guide

Click here for an explanation why Currency Transaction Reports are required and completed by financial institutions.

Access24 Phone#s!

(781) 438-3092 & (978) 658-2122  Make use of our audio response, auto-teller service - available 24/7 for easy access to your accounts


Pay your credit card bill and manage your account conveniently online with eZCardInfo.

"Don't Tax My CU"!

Send that strong message to your U.S. Legislators today.

Calculator Tools!

Simply click here and go to the "Calculators" link on the next page for both Loan & Savings Calculators

1st Mortgage Online Apps!

View Rates, Products & Apply Online

Free Credit Reports!

Available once every 12 months

ATM Withdrawal Locations!

Click Here for our worldwide Allpoint surcharge-free ATMs

Invest In America!

Receive cash back on purchases and discounts from 1,200 retailers

The MoneyLine Expre$$!

Click Here for our Qrtrly Newsletter

2014 Annual Report!

Click Here for our Annual Report

Deposit Slip & Reconciliation Forms!

Click Here for Online Forms





Calendar of Events

Holiday Closings:

Memorial Day     

       Mon.., May 30th, 2016

Independence Day Holiday     

       Sat.., July 2nd, 2016

       Mon.., July 4th, 2016

Labor Day Holiday     

       Sat.., Sept. 3rd, 2016

       Mon.., Sept. 5th, 2016

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










Member Cellular Discounts with Sprint


Save on Car Insurance. Get a quote.



Member Cellular Discounts with Sprint











Contact Information

Contact us by Email, Telephone, Fax or Snail Mail

We take our member care very seriously. While our aim is to make our website easy to understand, and navigate we know there are times when you may need a bit of assistance.

We have provided a number of ways for our credit union staff to help you:


For member support or assistance:

Click here for our SECURE Mail Box.

Need to make a private request or send us some information that is confidential? Send us a secure email. Log into Home Banking 24 and click on the link "Contact Us".


New to Home Banking 24? Log into Home Banking 24 and click on the link "Enroll Online".


Click here or "copy & paste" for our GENERAL Mail Box. (membercare@smefcu.org)

NOTE: Information sent through this e-mail address is not secure. Time-sensitive requests or private information such as SS#, balances, account numbers, etc. should not be sent to us by this method. If needed, please call 1-781-438-3959, or 1-978-658-5394 and speak with a member service representative.


We will respond to you within 48 hours, during regular business hours.


Wire Instructions/ABA#:

Members often need to transfer funds by wire service.

Stoneham m.e. Federal Credit Union's ABA/Routing# is:   211386005.


* WIRE-IN  Instructions

The following instructions should be given to the person or financial institution initiating (originating) the wire transfer to this credit union:


Wire to:

EasCorp ABA# 211391773

Burlington, MA  01803


Further Credit to:

Stoneham m.e. Federal Credit Union

Stoneham, MA  02180


Final Deposit to:

Member's name and account number at the credit union


* WIRE-OUT  Instructions

The following instructions should be given to our credit union staff when wiring funds to another institution. Click here Current Fee Schedule to find the associated outgoing wire fee:



- $ Amount

- Member Name

- Member Account#

- Telephone#

- E-mail Address


Transfer funds to (the receiving institution):

- Name of Bank or Credit Union

- City  & State

- Routing & Transit (ABA)#


Correspondent Bank or Credit Union (if the wire passes through another financial institution):

- Name of correspondent Bank or Credit Union

- City  & State

- Routing & Transit (ABA)#


Account To Be Credited (Beneficiary):

- Name of Account Holder

- Account #

- Any special instructions (if required)


Telephone#s and Hours:

Stoneham Office 1-781-438-3959

Monday, Tuesday and Friday:

9:00 AM - 4:30 PM


9:00 AM - 3:00 PM


9:00 AM - 6:00 PM


9:00 AM - 12:00 PM


Wilmington Office 1-978-658-5394

Monday, Tuesday and Friday:

8:30 AM - 11:30 AM

12:00 PM - 3:30 PM


8:30 AM - 11:30 AM

12:00 PM - 2:00 PM


8:30 AM - 11:30 AM

12:00 PM - 5:00 PM


Sundays and holidays, please leave a message.  A service representative will contact you within 24 hours of the first business day.


Access24 - Auto Teller Phone#s:

1-781-438-3092   and   1-978-658-2122


Access24 is a 24-hour telephone teller system that gives you access to your accounts anytime, day or night. CLICK HERE for more information about this service.



Stoneham Office:      1-781-438-6224


Wilmington Office:    1-978-988-0727


Report Lost or Stolen Cards:

ATM/Debit/Check Cards:    1-781-438-3959 x210


VISA Credit Cards:               1-800-843-5463


Snail Mail:

Send your inquiries to:

  • Stoneham m.e. Federal Credit Union
  • 40 Pine Street
  • Stoneham, MA  02180


  • Stoneham m.e. Federal Credit Union
  • 200 Jefferson Road
  • Wilmington, MA  01887


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