"Its a great movement, worthy of great deeds, deserving of great loyalty."               Edward Filene

What's New

Today's Loan Rates as low as...

Fixed Mortgage Call Us
Fixed Home Equity  3.00%
Home Equity LOC  4.25%
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

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CTR Reference Guide

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


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

2016 Annual Report!

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Deposit Slip & Reconciliation Forms!

Click Here for Online Forms





Calendar of Events

Holiday Closings:

Columbus Day     

       Mon., Oct. 9th, 2017

Veterans Day     

       Sat., Nov. 11th, 2017

Thanksgiving Day     

       Thurs., Nov. 22nd, 2017

Christmas Holiday     

       Sat., Dec. 23th, 2017

       Mon., Dec. 25th, 2017

News Years Holiday     

       Sat., Dec. 30th, 2017

       Mon., Jan. 1st, 2018

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













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.  

Our credit union is conveniently headquartered in Stoneham Massachusetts with an additional full service branch in Wilmington.
  For more information on membership, products and/or services, please browse our website, call our office or come in for a visit.  Be assured that every effort will be made to provide you with courteous, friendly and efficient service. 


... looking forward to serving you!

Today's Date is: Counter





Part Time – Teller / Member Service Representative


Stoneham Municipal Employees Federal Credit Union is looking for individuals who enjoy working face to face with customers and bring a warm, friendly attitude every day.


 Successful candidates must have strong customer service and communication skills, and be proficient in using a PC for transaction processing. Candidates must be able to accurately maintain a cash drawer and perform teller transactions (deposits, withdrawals, payments, transfers, etc.) Every other Saturday mornings are required of all part time tellers on a rotating basis. The positions call for approximately 20 to 25 hours per week and may be available at any of our locations in Stoneham and Wilmington, Massachusetts.



Stoneham Municipal Employees Federal Credit Union attributes its success to employees who consistently deliver beyond expectations. Their efforts help us maintain the strong ties we have in the communities we serve. In appreciation for their role in the credit union’s success, we strive to maintain a pleasant team environment that offers room for career advancement and growth.


We offer a comprehensive benefits package including 401k (with company matching), Competitive Compensation, and Paid Time Off. You'll find that Stoneham Municipal Employees Federal Credit Union is a great place to work! Stoneham Municipal Employees Federal Credit Union is an Equal Opportunity Employer.


Required education:

• High school or equivalent


Required experience:1 year previous Teller experience


• General Math skills.

• Proficient PC Skills in a windows operating system environment

• Proficient with Microsoft Office Suite including Outlook.

• Detail orientated and able to function in a fast-paced and changing environment.


Customer Service: 1 year


All interested candidates are asked to submit a cover letter and resume to Ann Marie Waugh at:



Today's News:



Announcing New Mortgage Partner - MEMBERS MORTGAGE


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

• Refinances

• 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 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 President




 Rates as low as... 2.29% APR!



Click On The Ad Above and Start Completing Your Application Today!!

* Existing smefcu loans are not eligible for this special





Looking for a good New or Used car ?



We're offering Loan Rates as Low as...


* New Cars - 1.79% APR


* Used Card - 2.39% APR




Click here for Automobile Loan, Individual Applications


Click here for Automobile Loan, Joint Applications




Dormant Accounts - We need YOUR Help!


It's that time of the year again...

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:

  • Make a deposit into your Primary "A" Share (Savings) account

  • Authorize Direct Deposit from external sources such as payroll or social security

  • Make a withdrawal from your Primary "A" Share (Savings) account or

  • Complete, sign and mail/Fax us a DORMANCY ACKNOWLEDGEMENT FORM.

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.





Introducing Allpoint - Surcharge-Free ATMs and Real-Time Balances



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.

  • Never Pay Another ATM Surcharge!

  • No More Waiting For Transactions & Deposits To Be Updated To Your Balance!






  • Continue To Use Your Current "Green" ATM/Debit Card!

  • Look for the Allpoint® logo ----------------------------------->>>>

  • 55,000 ATMs Worldwide, 43,000 In The United States

  • Surcharge-free Transactions

  • No Sign-up Fees

  • The previous ATM network, NYCE and the SUM program are still in use but will be discontinued in early December.

  • ATM Deposits are not offered with this upgrade. NIght Deposit Boxes continue to be available at both the Stoneham and Wilmington branches.

  • To report a debit card lost or stolen, call us at the credit union during normal business hours. To report the same AFTER HOURS, please call (800) 472-3272.


Click Here! or Visit allpointnetwork.com

To Find Convenient Allpoint ATM Locations Near You!


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:


Submit your Application for an ATM/Debit Card Today!




SKIP-A-PAY- Take A Loan Holiday Anytime Of The Year!


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.




The ULTIMATE ATM/Visa Check Card


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.


Click here to apply for an ATM/ Visa Check Card Today




Matching Your Home Equity Dreams


> Home Equity Line-of-Credits - 4.25% APR


> 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



E-Mail: Click here to request more information


Click here for all our Home Equity Rates & Terms







Marc Fucarile





Don't Tax My Credit Union



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.


Thank You!




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