Our New "Virtual Branch" Home Banking 24 System

Is Now Up and Running!

The new URL Address to link to is:

https://www.netit.financial-net.com/smefcu/cgi-bin/ebs

Please save it as a favorite on your computer at your earliest convenience.

* The "Old HFS" online banking site was discontinued as of Friday, May 18th. Members need to begin using the above referenced logon site at this time.

* Once there, please log into the new system with your existing LOGON AND SECURITY CODE.

• NOTE #1 - LOGON ID is the same as your previous ACCOUNT #.

• NOTE #2 - SECURITY CODE is the same as your previous PASSWORD.

* We also recommend checking off the "Enhanced Authentication" box the first time you log on. This will allow you to select your new image, phrase and security questions & answers.

* Once into your account screens, please go to the "Personal Information" tab and verify your Correct E-mail Address is listed. This e-mail address is a must in order to communicate with members and to offer temporary/replacement security codes (when needed).

 

* Screens and menus do appear different from the old home banking but you'll find the functionality is very similar. More importantly, members will find the new system offers many additional enhancements such as self-enrollment, secure e-mails, alert notices and self-administered transfer abilities to name a few.

 

Please Note:

Home Banking 24 is scheduled to be down and Will Not Be Available Every Work Day For Approximately 1/2 Hour to allow for End-Of-Day processing. 

If you have any questions on this new service or need additional assistance, please feel free to contact us at 978-658-5394 or drop by either of our branches.

Note:  The credit union's migration to a new online banking system at this time was in part due to our processor's discontinuance of the HFS Home Banking program by year end.

We DON'T Do CARD TRICKS Here!

The Stoneham ME Credit Union DOES NOT

charge a monthly fee for our ATM/Debit Cards.

To order a card, simply CLICK here.

And ... our Checking Account Services

offer all the amenities you'll ever need:

• Free 24/7 Online Banking and Audio (Auto Teller) Response

• Free monthly Electronic Statements

• Free first box of basic checks

• Free Direct Deposit service

• Free Bill Payer for the first six months

• ATM/VISA Check (debit) Cards

• No minimum balance required

• No per-check fee

• Overdraft Loan Protection available

• Dividends available with a $500 balance or more

Interested in a new Checking Account?

New and Used Car Rate Specials

Limited Time Offer!

Click here for Automobile Loan Applications

This offer is subject to change / expire without notice.

Rate reflects a .25% discount with automatic loan payments.

New Money Only. Cannot be combined with existing SMEFCU loans.

Automobile must be a 2005 or newer. Other conditions may apply.

APR=Annual Percentage Rate.

Love Your Car But Not Your Loan?

If you've financed a vehicle through a dealer or another financial institution, and you think you're paying too much for your loan or your monthly payments are too high, compare your rate and term to what we are offering.

Auto-Transfer Loan  - 2.79% APR

With terms up to 6 years

Save a bundle over the life of the loan!

Click here for Automobile Loan Applications

This offer is subject to change / expire without notice.

Rate reflects a .25% discount with automatic loan payments.

New Money Only. Cannot be combined with existing SMEFCU loans.

Automobile must be a 2004 or newer. Other conditions may apply.

APR=Annual Percentage Rate.

After all the years of paying for your dream home,

now it's time to let your home pay for your dreams.

With a Home Equity Loan or a Home Equity Line of Credit from Stoneham ME FCU

you can get the money you need to:

• Pay off your High Interest Rate First Mortgage

• Consolidate your high interest credit cards

• Make home improvements

• Pay for college tuition or

• Take a vacation

Benefits of a Home Equity Line-Of-Credit:

In both cases: 

(plus an additional $300 closing cost reduction

if your initial advancement is for $20K or more)

and

[please check with a tax consult to confirm your status]

Click here to view our Current Home Equity Rates

Ask any one of our staff for a Home Equity Loan Application today.

* These rates include a .75% discount for New Money Only; refinanced SMEFCU loans reflect a higher rate by .75%.

OUR NEWEST MEMBER SERVICE!

Sallie Mae Smart Option Student Loan®

The Stoneham ME Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

The Smart Option Student Loan features and benefits:

• Competitive Interest Rates

• Borrow up to 100% of school certified education costs (minimum $1,000)

• Multiple in-school repayment options available

• Borrower benefits available - like rewards and interest rate reductions

• Rates that reward creditworthy borrowers

• Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate

• Fast Online Application.

• Our easy-to-complete application takes about 20 minutes. It's quick and easy.

• 24/7 online account management

• No prepayment penalty

To learn more or to apply, please CLICK here.

Our Seasons Gift To You...

An Affordable 15 YEAR MORTGAGE

3.19% APR Special - New Money Only

PLUS... we'll pay the appraisal fee (a $350 value) at the time of the closing.

OTHER RATES AND TERMS AVAILABLE - FIRST COME, FIRST SERVE!

There's never been a better time to get a mortgage

at the Stoneham ME Federal Credit Union.

Not only are rates at record lows,

but our partnership with Allanach Mortgage Group allows us to offer the leading edge technology, wide variety of first mortgage products, and fast, courteous service you deserve.

 Feel free to call us with questions or for personal assistance at (781) 438-3959.

To get started, simply

Click here to view Current Mortgage Rates & Products