"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 2.99%
Fixed Home Equity  2.75%
Home Equity LOC  3.50%
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

Share Our Website With A Friend!

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


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

2014 Annual Report!

Click Here for our Annual Report

Deposit Slip & Reconciliation Forms!

Click Here for Online Forms





Calendar of Events

Holiday Closings:

Labor Day Holiday     

       Sat.., Sept. 3rd, 2016

       Mon.., Sept. 5th, 2016

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


Today's News:



Enjoy Your Summer! ... New CU Service Promotions coming soon







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!



 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




EMV Chips Help Protect Your Accounts



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




A Great Source of Cash




Just a reminder of our newest loan product - The Auto Title Cash Loan!

Looking for a lower rate? Are credit scores causing you trouble getting credit? Need quicker access to cash than traditional payday loans? This loan option may be your best solution.


If your vehicle is paid off, you could qualify for an Auto Title Cash Loan* based on the value of your vehicle.

  • Vehicle with clear title used as collateral

  • Flexible terms up to 36 months

  • Fixed competitive interest rate at 8.99% APR

  • No prepayment penalties

  • Loan amounts up to $5,000 based on 50% of the NADA value of vehicle.

* Qualified cars: 2005-2016; proof of registration is required;

a $25 transfer fee may be charged by the RMV Dept.


To apply for an Auto Title Cash Loan, click on one of the links below:


Click here for Consumer Loan, Individual Applications


Click here for Consumer Loan, Joint Applications



Today's Mortgage Bargain...


Affordable, Convenient... Tailored for your needs!


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


First Come, First Serve!


Our partner, Allanach Mortgage Group

offers leading edge technology,

a wide variety of first mortgage products,

and the fast, courteous service.


Our Goal is to respond to your application within 24 hours!


* This special rate is offered for new money only


Click here to view all Current Mortgage Rates & Products


Click here to complete our Pre-Qualifying Application




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




Low Closing Cost - Home Equity Loans


> Home Equity Line-of-Credits - 3.50% APR


> 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



E-Mail: Click here to request more information


Click here for all our Home EquityRates & 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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