Stoneham m.e. is a federally chartered, full service credit union serving
members since 1963. We offer a full range of financial services and are
committed to meeting and fulfilling the financial expectations of our members.
... looking forward to serving you!
Today's Date is:
Stoneham Municipal Employees Credit Union is excited to announce a new partnership with Members Mortgage. We now offer competitive mortgage programs with a wide variety of loan options, including…
• First-time homebuyer programs
• 5/1, 7/1, and 10/1 ARM conforming mortgages
• 10-,15-, 20- and 30-year fixed-rate mortgages
• HomeReady program (for borrowers with lower credit scores)
You can apply online by filling out a convenient 10-15 minute application that is able to generate a pre-approval letter 24/7, from the convenience of your home. Our new online mortgage portal also offers rates, calculators, homebuyer education, definitions, and more. Just click on the GREEN “MortgageClick” icon to apply today!
If you’d prefer to call, loan officers are available to discuss a range of financing options with you Monday through Friday, 8:30 a.m. to 5:00 p.m. at 1-800-316-9790.
We’re thrilled at being able to offer our members the best mortgage service, and we want you to remember that Stoneham Municipal Employees FCU is here to assist you through the mortgage process. Whether you’re thinking about purchasing a new home, or refinancing your current home—think of us first. We aim to provide competitive rates, but, more importantly, our customary excellent service.
Ann Marie Waugh
smefcu loans are not eligible for this special We're offering
Loan Rates as
Low as... * New Cars - 1.79% APR * Used Card - 2.39% APR
* Existing smefcu loans are not eligible for this special
We're offering Loan Rates as Low as...
* New Cars - 1.79% APR
* Used Card - 2.39% APR
The State of Massachusetts requires all financial institutions to review records and determine if they are in possession of dormant accounts, unclaimed for a three (3) year period or more.
This condition specifically applies to member's "A" Suffix, Savings accounts at the credit union.
The solution is is easy and painless
but must be completed by October 31st!
If you receive a form letter from us on the subject or are informed by one of our staff, please perform one of the following requests:
The form can be obtained from any of our staff or simple click on the link below.
If the dormancy status is not addressed, the account will be garnished a $100 Dormancy Fee and the remaining funds are sent to The Commonwealth of Massachusetts Treasurer's Office.
Please help us avoid that from happening!
If you have any additional question on this matter, please feel free to contact our staff at
the Wilmington branch @ (978) 658-5394 or the Stoneham office @ (781) 438-3959.
On Monday, November 9th, Stoneham ME Federal Credit Union joined the Allpoint ATM Network. This means our members now have access to America’s largest surcharge-free ATM network, with some 55,000 surcharge-free ATMs worldwide. And in addition... your account balances are now Online, Real-Time!
With the Allpoint Network, SMEFCU members will never be far away from surcharge-free ATM access to their cash, especially in the United States where Allpoint offers 43,000 cash machines in places they’re already visiting as part of their 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.
NOTES AND HIGHLIGHTS:
Please feel free to contact our staff at (781) 438-3959 or (978) 658-5394 with any questions.
Wish to apply for a Stoneham ME FCU ATM/Debit Card? Click on the link below:
Would you like to take a “loan holiday” this month or any month? There are times when all of us need a bit of a break – times when you need extra cash for the holidays, to pay for past holiday purchases, a long-awaited trip or just about any other reason.
If you're a member in good standing with the credit union, you may skip a loan payment due any time of the year. No pre-approval is necessary to take advantage of this offer, but you will want to plan in advance to allow time for processing your request. A processing fee of $25 per loan will be assessed, and interest will continue to accrue on your unpaid loan balance, which may extend the maturity date o f your loan.
How To Sign Up:
If you'd like to take advantage of this program simply ask for a SKIP-A-PAYMENT FORM and drop it off at our nearest branch or mail it to:
Stoneham M.E. Federal Credit Union, Loan Servicing Department
40 Pine Street Stoneham, MA 02180
Please submit the form at least 10 days prior to your usual loan payment due date. If you have questions about the form or program, please call us at (781) 438-3959 or (978) 658-5394.
Go Hassle Free
Go Paper Free
Go Worry Free
Are you looking for a fast, convenient
and safe way to pay for your purchases?
Our ATM/Visa Check Card is the smarter way to pay. A Check Card (also known as a Debit Card) allows you to purchase what you want, anywhere Visa is accepted. Check Cards are quicker than making visits to the credit union, more convenient than writing checks, and safer than carrying cash.
> Fixed Rate Home Equity Loans -
as low as 3.00% APR
Low Closing Cost Options Available!
The credit union will pay the first $300 of your closing cost with a $20,000 initial draw amount or more.
Contact our Loan Representatives for more information.
Stoneham Office - 781-438-3959
Wilmington Branch - 978-658-5394
We Need Your Help
Tell Congress: Don't Tax My Credit Union
All these benefits are currently at risk. Congress is now considering tax reform legislation that has the potential to eliminate the tax exemption status for all credit unions.
We urge members to send a strong message to your U.S. Representative and Senators: "Don't Tax My Credit Union". It's easy to do - just visit www.DontTaxMyCreditUnion.org.