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!
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 of 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.
* 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
As of May 2016, credit union members with Visa Platinum Credit Cards began receiving new "chip" cards as their ones expired.
The chip enables more secure processing than magnetic strip cards by generating cryptograms (unique, single-use codes) to approve each transaction. This provides an extra layer of security for your card and bank account; the randomly generated, one-time code is virtually impossible to duplicate in counterfeit cards, thus reducing the likelihood of in-store fraud.
How To Use Your Chip Card:
It's Easy!When making your purchase, insert the card chip first and face up into the terminal. Leave the card in the terminal until the transaction is complete. Then sign and remove the card. Many cashiers are trained to walk you through this process as well.
Worried about using your card while traveling internationally? Don’t be! With over 36.9 million active terminals in over 130 countries, you can be sure your information is secure while abroad.
Please Call Us With Any Questions
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:
1O Year Fixed Year Special @ 2.99% Rate, 3.146% APR*
15 Year Fixed Year Special @ 3.125% Rate, 3.233% APR*
And... Call Us for our other 15, 20 and 30 Year Rates
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 2.75% APR
Low Closing Cost Options Available!
The credit union will pay the first $300 of your closing cost by taking a minimum amount of $20,000 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.