"No institution ... does more good for people than credit unions."   Wright Patman

 

 

   

What's New

Today's Loan Rates as low as...

Fixed Mortgage 3.25%
Fixed Home Equity  2.75%
Home Equity LOC  3.25%
Consolidation Loan 9.90%
New Auto 1.79%
Auto "Transfer" 1.79%
Used Auto 2.19%
VISA Credit Card 11.99%
Use your Auto Title for a Cash Loan 8.99%

Rates subject to change w/o notice

Report Lost or Stolen Cards

Credit Card:

(800) 843-5463

ATM/Debit Card:

(781) 438-3959 x210

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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

eZCardInfo.com!

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

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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

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Available once every 12 months

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The MoneyLine Expre$$!

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2013 Annual Report!

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Deposit Slip & Reconciliation Forms!

Click Here for Online Forms

 

   

 

   

Calendar of Events

Holiday Closings:

Veterans Day     

       Tues., Nov 11th, 2014

Thanksgiving Day     

       Thurs., Nov 27th, 2014

Christmas Holiday     

       Wed., Dec 24th, 2014

       Stoneham - 12:00 pm

       Wilmington - 11:30 am

       Thurs., Dec 25th, 2014

 

Branch Hours:

STONEHAM     

Mon, Tue, & Fri      9:00-4:30

Wed                      9:00-3:00

Thu                       9:00-6:00

Sat                        9:00-12:00

WILMINGTON     

Mon, Tue, & Fri      8:30-11:30

                             12:00-3:30

Wed                      8:30-11:30

                             12:00-2:00

Thu                       8:30-11:30

                             12:00-5:00

 

NOTE:   ATM/Debit Card Balances are updated three times each business day; once in the morning @ approx. 9:00 AM, once between 12:00 PM-1:00 PM and once in the afternoon @ approx. 4:30 PM.

   

 

   

 

 

 

 

Member Cellular Discounts with Sprint

 

Save on Car Insurance. Get a quote.

 

 

Member Cellular Discounts with Sprint

 

 

 

 

 

 

   

 

 
   

Frequently Asked Questions

Type in your Search Term

          Search Tool Instructions:

  1. Click once on the topic header you are interested in searching.
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  1. ATM/Visa Check Card ... ?
  2. E-Statements ... ?
  3. Audio Response - Access 24 ... ?
  4. ATMs Accepting Deposits ... ?
  5. Free Credit Reports / Tips ... ?
  6.  ... ?

ATM/Visa Check Card ...

Q: What is a ATM/Visa Check Card?

A: As a VISA Check Card, it is widely accepted as an alternative to writing a check. You can use it to pay for purchases at any merchant displaying the logo that appears on your card. The purchase price will be deducted from your Credit Union Share Draft (checking) Account; however, the appropriate funds must be available in your account for the transaction to be approved.

 

Q: Why should I use my ATM/Visa Check Card?

A: There are many situations where writing a check can be inconvenient, like when you are in the express line at the grocery store. ATM/Visa Check Card transactions are approximately five times faster than writing a check, since there is no need for check approval and proof of identification. The funds are still deducted from your Checking Account.

 

Q: Where would I use my ATM/Visa Check Card?

A: Use it where ever the logo that appears on your card is displayed - like the grocery store, your favorite retailer, gas stations, or your favorite restaurant. There are millions of locations worldwide where your ATM/Visa Check Card can come in handy!

 

Q: How do I use my ATM/Visa Check Card?

A: It's easy! When paying for purchases, your ATM/Visa Check Card is scanned by a retail point-of-sale machine, automatically deducting funds from your Checking Account. Funds must be available for the transaction to be approved. When the process is complete, you will receive a printed receipt for easy record keeping.

 

Q: What if I'm given a choice of buttons to press at the merchants terminal?

A: You may need to choose between a "CREDIT" button and a "DEBIT" button. Those buttons determine how the merchant processes the transaction. Always press "CREDIT". If you choose "CREDIT", you will simply sign a receipt and pay no fees.

 

Q: When I use it, am I borrowing from a revolving line of credit?

A: NO! It is not a credit card. Funds are always deducted directly from your Checking Account just as if you had written a check.

 

Q: Will merchants know how to process my transaction?

A: Yes. Merchants will process your ATM/Visa Check Card transaction just like a credit card transaction.

 

Q: Can I use it to place orders by phone?

A: Sure. If funds are available in your Checking Account and the merchant accepts major credit cards, you can use it.

 

Q: Won't this make balancing my checkbook a headache?

A: ATM/Visa Check Card transactions appear on HomeBanking24 and your monthly Account Statement, just like the checks you write. Your ATM/Visa Check Card can be used as a budgeting tool to track your pattern of spending.

 

Q: My spouse and I use the same account. We share one checkbook, so will we have to share one card too?

A: No. But you may request another card so each of you have one to use at your convenience.

 

Q: If I want to return something I purchased with my ATM/Visa Check Card, do I go to the Credit Union or go back to the merchant?

A: Take all merchandise to be returned back to the merchant where you purchased the items, just like you do now when paying with cash, check, or with a credit card.

 

Q: Am I protected if my ATM/Visa Check Card is lost or stolen?

A: Yes. Just as with ATM cards, if you report a lost or stolen card within two business days of its loss or theft, you will not be held liable. If you fail to report it within this time period, you could be held responsible for $50 or more. Treat your ATM/Visa Check Card like you treat your ATM card or checkbook - like cash.

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E-Statements ...

Q:   What kind of computer software do I need to access my statement?
A:   Your E-Statements and inserts will be in PDF format. You will need Adobe Acrobat Reader to read the statement and inserts. If you do not have Acrobat Reader loaded on your computer it can be downloaded for free from the Adobe website: www.adobe.com

Q:   Does my Internet connection affect the time it takes to download my statement?
A:   Yes. If you access the Internet via a dial-up or phone line connection, you can expect your download time to take longer depending upon the file size and the amount of “traffic” on your internet service provider’s access points.

Q:   How do I view my statement?
A:   You will receive an e-mail each month advising you that your E-Statement and informational inserts are attached.

  1. From the e-mail message, click on the Home Banking24 URL Address.
  2. Input your Logon ID (Account Number) and click OK
  3. Input your Security Code (Password) and click on Sign In.
  4. Click on the Self Service tab and then "estatements" under the Additional Services option.
  5. Once the month desired is selected, simply open it by clicking on the appropriate statement icon.


(We recommend that you create a statement folder on your hard drive so that when you click on "save it to disk", you save it in that folder. This way over time you will establish a library of past statements for reference.)

Q:   Is my account information protected from others viewing it?
A:   Your account information is protected with the latest encryption technology and security features.

Q:   How much does the credit union's E-Statement program cost?
A:   There is No Charge to you for the E-Statement program.

Q:   What if I “lose” my E-Statement. Can I get a paper copy of my statement?
A:   You may request a paper copy of your statement at any time in accordance with the credit union's fee schedule.

Q:   How do I notify the Credit Union of my new e-mail address?
A:   You may contact the Credit Union by e-mail at Contact Us or you may fax a note with your name, account number, new e-mail address and signature to us at 781 438-6224.

Q:   When should I expect to receive my E-statement each month?
A:   Your E-Statement will usually be available to you on the 2nd or 3rd business day of the new month.

Q:   What if I no longer want to receive my statement electronically?
A:   You can switch back to a paper statement at any time. Be aware that Share Draft accounts are issued by paper statements monthly and all others are issued on a quarterly basis; refer to our current fee schedule for any fees that may apply to paper statements. Another thing to keep in mind is that Home Banking is available to E-Statement participants only. Contact the credit union in writing or by e-mail at Contact Us requesting discontinuances of electronic statements.

Q:   What if I have more than one Account Number? Can I sign up to receive an E-Statement for all my accounts?
A:   Yes. You will need to complete an enrollment form for each of your Account Numbers. You may have all your statements go to the same e-mail address.

Q:   Can a joint member sign up for E-Statements?
A:   For privacy reasons, only the primary member can sign up for E-Statements.

 

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Audio Response - Access 24 ...

Access24, the 24-hour telephone teller system, gives you access to your accounts anytime, day or night.  In effect, Access24 puts a teller in your home, office, car or anywhere there is a touch-tone phone.

 

Using Access 24
   
1. Call Access24 at 781-438-3092 or 978-658-2122.
   
2. Enter your account number followed by the # sign.
    3. Enter your 4 digit PIN followed by the # sign.
    4. Enter a transaction code followed by the # sign (see code list below).
    5. To end your session, simply hang up or enter 99#.

With Access 24, you can:

·         check your share and loan balances

·         make check withdrawals

·         transfer funds

·         make loan payments

·         inquire about cleared drafts

·         check on deposits and withdrawals

·         request tax information

·         and much, much more!

 

Access 24 is easy to use. All you need is the following:

·         your account number as listed on your statement

·         a touch-tone phone

·         your 4 digit PIN (your PIN is assigned by the Credit Union and can be requested in writing). Remember - do not share your PIN with anyone!

 

When you call Access24, a friendly voice will guide you through your transaction.  Changes to your account are made immediately, accurately and confidentially.

 

Things to remember:

·         The # sign must be pressed to conclude each entry.

·         The * sign will pause Access24 at any point.

·         Pressing ** will erase the last instruction you entered.

·         Pressing *# will repeat the last message.

·         To end the call, press 99#.

·         Enter the exact amount for each transaction, including dollars and cents.  For example, to enter $100.00, press 10000#.

·         You may key ahead at any time during the session; you do not need to wait for the voice prompt.

 

 

Transaction Codes:

 

 

Share Balance Inquiries

SB# or 72#

Share Draft Inquiries SD# or 73#
Share Withdrawals Sw# or 79#
Share Transfers St# or 78#
Last Deposit SB# or 72#
Last Withdrawals LW # or 59#
Loan Balance Inquiries LB# or 52#
Loan Payments/ payoff LP# or 57#
Tax Information TI# or 84#
Non Primary Account Transactions -678#
 

 

 

Account Suffix Conversion Table:

 

 

Suffix A is 21#

Suffix N is 62#

Suffix B is 22# Suffix O is 63#
Suffix C is 23# Suffix P is 71#
Suffix D is 31# Suffix Q is 77#
Suffix E is 32# Suffix R is 72#
Suffix F is 33# Suffix S is 73#
Suffix G is 41# Suffix T is 81#
Suffix H is 42# Suffix U is 82#
Suffix I is 43# Suffix V is 83#
Suffix J is 51# Suffix W is 91#
Suffix K is 52# Suffix X is 92#
Suffix L is 53# Suffix Y is 93#
Suffix M is 61#  
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ATMs Accepting Deposits ...

Listed below are SUM program ATM Locations recently Accepting Deposit Transactions:

 

Help Us Update The List:

Call us at (781) 438-3959 or (978) 658-5394 with other ATM Deposit Locations you find!

 

Note: Stoneham m.e. FCU charges No Fee for ATM deposits

 

Town/City

 

Address

 

Institution

 

Beverly 254 Cabot Street Beverly Coop
Beverly 63 Dodge Street Beverly Coop
Beverly 48 Enon Street Beverly Coop
Beverly 428 Rantoul Street Century Bank
Billerica 493 Boston Road Stoneham Bank
Boston 275 Hanover Street Century Bank
Burlington 120 Cambridge Street Metro CU
Burlington 134 Cambridge Street Century Bank
Burlington 85 Wilmington Road Central Bank
Chelmsford 185 Littleton Road Enterprise Bank
Danvers 139 Endicott Plaza Salem 5
Littleton 255 Great Road Digital CU
Malden 137 Pleasant Street Central Bank
Malden 140 Ferry Street Century Bank
Medford 55 High Street Century Bank
Medford 270 Mystic Avenue Century Bank
Medford 400 Mystic Avenue Century Bank
Medford 503 Riverside Avenue Century Bank
Melrose 846 Main Street Century Bank
Middleton 2 Central Street Century Bank
Middleton 104 South Main Street Salem 5
Salem 37 Central Street Century Bank
Stoneham 80 Montvale Avenue Stoneham Bank
Stoneham 99D Main Street Stoneham Bank
Stoneham 240 Main Street Salem 5
Tewksbury 910 Andover Street Enterprise Bank
Tewksbury 345 Main Street RTN FCU
Tewksbury 616 Main Street RTN FCU
Woburn 275 Main Street Central Bank
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Free Credit Reports / Tips ...

Have you ever reviewed – in detail – your credit report? Here are a few tips that can help make sure you're credit is void of any fraud or... i.e., in prime position for a mortgage approval and receive the best terms & conditions possible:

 

Avoid The “Free Credit Score” Traps:

 

Even though you likely see a myriad of advertisements for “Free Credit Scores” on television and the Internet, there is only one official website where you are entitled to receive a free copy of your credit report every 12 months.

 

The official website to receive a free copy is http://www.annualcreditreport.com.

 

On that site, and only that site, can you receive your credit report from the three major repositories (Experian, Equifax and TransUnion). Note – this site also gives you the opportunity to pay for your credit score (as opposed to credit report). For this exercise, you don’t need to know your credit score so we suggest you pass on purchasing your credit score.

 

Once You Have Your Credit Reports In Hand:

 

1) Check the first section of each credit report to make sure your Personal Information is accurate and up to date. This information includes your address, employer and other contact information.

 

2) The second area you should review is called “Negative or Potentially Negative Items” and usually follows your personal information. Here’s where you’ll find (if any) late payments, collection accounts, bankruptcies, foreclosures and short sales. Obviously, the fewer items reported in this section, the better. However, if you do in fact find erroneously reported negative items, it’s a great idea to attack those corrections right away.

 

3) The remainder of your credit report features a line-by-line detail of each credit account you have and its current status. Important information in this area includes:

How long the account has been open: Longevity of your credit relationships matters. In other words, a Visa card account in good standing for 10+ years will more positively impact your credit score than a newly opened Visa account.

 

Open balances: This is an important area to review. We recommend you pay particular attention to your balances versus your credit limits on each open account. The key here is to make sure your balances aren’t approaching credit limits – as this will negatively impact your score.

 

Status of Account: Accounts should have status listed such as “Current”, “Late” (and how delinquent), “Closed” (by creditor and/or by consumer), etc. This is also worthy of double-checking for accuracy’s sake.

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