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What's New
Today's Rates as low as...
Rates subject to change w/o notice
1st Mortgage Online Apps
View Rates, Products & Apply Online!
Automobile Loan Promotion
No Payments Until April 30th!
Enhanced & Expanded Functionality!
Purchase Your Car There - Get The Loan Here!
10.90% APR, 60 Month Terms!
Platinum Credit Cards
Upgraded Classics to Platinum!
Click Here for Online Forms!
TurboTax Online
Easy Tax Solution Access!
Ask For A Credit Union Scratch Ticket
Offers More Loan Rate Discounts!
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Calendar of Events
Holidays:
Memorial Day
Mon., May 31st, 2010
Independence Day
Mon., July 5th, 2010
Branch Hours:
STONEHAM
Mon, Tue, & Fri 9:00-4:30
Wed
9:00-3:00
Thu
9:00-6:00
Sat
9:00-12:00
WILMINGTON
Mon, Tue, & Fri 8:30-11:30
12:00-3:30
Wed
8:30-11:30
12:00-2:00
Thu
8:30-11:30
12:00-5:00
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| Account Type |
Annual Percentage Rate |
Annual Percentage Yield |
Min.
Balance Required |
The National Credit Union Administration (NCUA) insures accounts up to
$250,000 and is backed by the full faith and credit of the U.S. Government; IRA
accounts are insured separately by NCUA for an additional $250,000.
| Regular Shares2-savings |
0.28% |
0.29% |
$5.00 |
| Organizational Shares2 |
0.28% |
0.29% |
$5.00 |
| Club Accounts2-holiday/vacation |
0.28% |
0.29% |
$0 |
| Share Drafts2-checking |
0.15% |
0.15% |
$0 |
| All Purpose Shares2 |
0.28% |
0.29% |
$0 |
| IRA Traditional Shares |
1.25% |
1.26% |
$5.00 |
| IRA Roth/Education Shares |
1.25% |
1.26% |
$5.00 |
| 6 month Certificate |
.56% |
.56% |
$1,000 |
| 12 month Certificate |
.83% |
.83% |
$1,000 |
| 18 month "Bump-up" Certificate4 |
.99% |
1.01% |
$2,500 |
| 24 month Certificate |
1.30% |
1.30% |
$1,000 |
| 36 month Certificate |
1.75% |
1.75% |
$1,000 |
| Youth Savings Certificates5 |
Same as Above |
Same as Above |
$250 |
| 36 month IRA Certificate6 |
1.75% |
1.75% |
$10,000 |
| 60 month IRA Certificate6 |
2.75% |
2.75% |
$10,000 |
- Rates are subject to change without notice.
- Unless otherwise stated, dividends are compounded and
credited monthly on Shares with $100 or more based on the average daily
balance of the account; Share Drafts require $500 or more.
- Substantial penalties for early withdrawals may apply.
- Members are eligible for one current rate change and one
withdrawal/deposit request during the "Bump-up term.
- Members must be 18 years old or under. Terms of 6, 12,
18, 24, and 36 months are available.
- Available for Traditional IRAs only.
Consumer Loan Calculator
| Loan Type |
Number of Months |
Annual Percentage Rate |
Terms &
Conditions |
| Bill Consolidation |
60 |
10.90% |
$10,000 Maximum; up to 50% may be applied to an existing
CU loan |
| Unsecured |
60 |
13.40% |
$10,000 Maximum |
| Personal Line-of-Credit |
open-end |
13.50% |
$10,000 Maximum |
| Overdraft Protection |
open-end |
13.90% |
$1,500 Maximum |
| Share Secured |
60 |
3.28% |
$500 Minimum |
| "Energy" Loan |
60 |
7.99% |
$10,000 Maximum; Proceeds to be paid directly to
supplier/contractor of the product or service; applies to primary
residence only. |
| New Automobile10 |
60 |
3.99% |
$50,000 Maximum; 100% NADA value; Years 2009-2010 |
| New Automobile10 |
72 |
4.24% |
$50,000 Maximum; 100% NADA value; Years 2009-2010 |
| Used Automobile7,10 |
60 |
4.74% |
$40,000 Maximum; 85% NADA value; Years 2003-2009 |
| "Auto Transfer" Loan7,10 |
60 |
3.99% |
100% of the current loan balance; Years 2003-2010 |
| Recreational Vehicle |
48 |
9.90% |
$20,000 Maximum; 65% NADA value; Years 2003-2010 |
| Home Equity
Line-of-Credit |
180 |
4.00%
(ARM)8 |
$75,000 Maximum; 10 Year draw period; No Points, No
Annual Fee, No Application Fee; Maximum Loan-to-Value = 75%; Primary
residence only;
1st $300 of closing cost paid by credit union with a $20K
initial advancement.9 |
| Fixed Rate
Home Equity Loans |
60
84
120
144 |
4.91%
5.27%
5.56%
5.85% |
$10,000 Minimum; $100,000 Maximum; "1st Lien"
HE = $125,000 Maximum; No Points, No Annual Fee, No Application Fee;
Maximum Loan-to-Value = 75%; Primary residence only;
1st $300 of closing cost paid by credit union with a $20K
minimum loan.9 |
| Fixed Rate
1st Mortgages
(Rates as of 3/1/2010)
For loans:
* Up to $400,000
* LTV of less than 80% |
180
240
360 |
4.50%
4.75%
5.00%
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Purchase or Refinance; No
Points; No Application Fee; 1-4 Family,
Home Owner Occupied
Mortgage
Pre-Qualifying
Application: |
| VISA Platinum |
Revolving |
10.90% |
No Annual Fee; Limit Up To $15,000; Special: 10.00% for 1st 6 months |
- Loan applications may be submitted in person, by mail,
fax or by secured website submission.
- Title/Liens and $500 or less, Deductible Collision
insurance are required on all automobile/vehicle loans.
- Pre-approved applications are available on all loans.
- The aggregate unsecured loan limit to any one member is
$26,500.
- This offer does not apply to existing loans currently
held by the SMEF Credit Union.
- ARM means "Adjustable Rate Mortgage"; the HELOC rate is
based on the Prime Rate as published in the Wall Street Journal; rate
changes can occur on the first day of each month; maximum rate is 18%,
minimum rate offered is 4.00%.
- Closing costs incurred by the credit union must be
reimbursed by the member if the loan pay down occurs in less than 36 months.
- Automobile rates include a .25% interest discount
for payroll, direct deposit and automatic loan payments.
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