"Let's keep in mind that the credit union member furnishes all the billions of dollars we brag about - it is His (Her) money."   Joseph S. DeRamus




What's New

Today's Loan Rates as low as...

Fixed Mortgage 3.25%
Fixed Home Equity  2.75%
Home Equity LOC  3.25%
Consolidation Loan 9.90%
New Auto 1.79%
Auto "Transfer" 2.29%
Used Auto 2.39%
VISA Balance Transfer 1.99%

Rates subject to change w/o notice

Report Lost or Stolen Cards

Credit Card:

(800) 843-5463

ATM/Debit Card:

(781) 438-3959 x210

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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.

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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

Deposit & Withdrawal ATMs!

Click Here for SUM surcharge-free ATMs offering no fee transactions

Invest In America!

Receive cash back on purchases and discounts from 1,200 retailers

The MoneyLine Expre$$!

Click Here for our Qrtrly Newsletter

2013 Annual Report!

Click Here for our Annual Report

Deposit Slip & Reconciliation Forms!

Click Here for Online Forms





Calendar of Events

Holiday Closings:

Memorial Day     

       Mon., May 25th, 2015

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



NOTE:   ATM/Debit Card Balances are updated three times each business day; once in the morning @ approx. 9:00 AM, once between 12:00 PM-1:00 PM and once in the afternoon @ approx. 4:30 PM.








Member Cellular Discounts with Sprint


Save on Car Insurance. Get a quote.



Member Cellular Discounts with Sprint











Current Rates1 as of: March 1, 2015



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 0.10% 0.10% $5.00
Organizational Shares2 0.10% 0.10% $5.00
Club Accounts2-holiday/vacation 0.10% 0.10% $0
Share Drafts2-checking 0.10% 0.10% $0
All Purpose Shares2 0.10% 0.10% $0
IRA Traditional Shares 0.50% 0.50% $5.00
IRA Roth/Education Shares 0.50% 0.50% $5.00

Term Share Certificates3

  6 month Certificate   .30%  .30% $1,000
12 month Certificate   .40%   .40% $1,000
18 month "Bump-up" Certificate4   .55%   .56% $2,500
24 month Certificate .65% .65% $1,000
36 month Certificate .85% .85% $1,000
Youth Savings Certificates5 Same as Above Same as Above $250
36 month IRA Certificate6 .85% .85% $10,000
60 month IRA Certificate6 1.20% 1.20% $10,000


  1. Rates are subject to change without notice.
  2. 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.
  3. Substantial penalties for early withdrawals may apply.
  4. Members are eligible for one current rate change and one withdrawal/deposit request during the "Bump-up term.
  5. Members must be 18 years old or under. Terms of 6, 12, 18, 24, and 36 months are available.
  6. Available for Traditional IRAs only.
Savings & Loan Calculators



Savings & Loan Calculators - Click the image, then click "Calculators"




Loan Type Number of Months Annual Percentage Rate Terms & Conditions

Consumer Loans

Share Secured 60 2.10% $500 Minimum (Reg Shr Div + 2%)


Consolidation7 48   9.90% Up To $10,000; new money only
Unsecured 60 13.40% Up To $10,000
Personal Line-of-Credit open-end 13.50% Up To $10,000
Overdraft Protection open-end 13.90% Up To $1,500
"Auto Title" Cash Loan7 36 8.99% Up To $5,000; 50% NADA value; Years 2003-2014; Clear Auto Title


New Automobile7,10 36 1.79% Up To $60,000; 100% NADA value; Years 2013-2014
New Automobile7,10 60 1.99% Up To $60,000; 100% NADA value; Years 2013-2014
New Automobile7,10 72 2.24% Up To $60,000; 100% NADA value; Years 2013-2014
Used Automobile7,10 60 2.39% Up To $50,000; 85% NADA value; Years 2008-2014
Used Automobile7,10 72 2.69% Up To $50,000; 85% NADA value; Years 2008-2014
Auto-Transfer Loan7,10 1 - 48 2.29% Loan Balance up to 100% NADA; Years 2008-2014
Auto-Transfer Loan7,10 49 - 72 2.49% Loan Balance up to 100% NADA; Years 2007-2014
Used Automobile7,10 48 2.99% Up To $30,000; 75% NADA value; Years 2005-2007



Consumer Loan Application

Loan Application 


Consumer Joint Loan Application

Joint Loan Application


Real Estate Loans

Low Closing

Cost Available!9


Home Equity










Up To $100,000; 10 Year draw period; No Points, No Annual Fee, No Application Fee; Maximum Loan-to-Value = 80%; Primary residence only; $20,000 Min. initial draw to qualify for No Closing Cost option.
Low Closing Cost!9


Fixed Rate


Home Equity Loans
































$20,000 Min. to qualify for No Closing Cost option;

Up To $100,000;

Up to $125,000 With no "1st Lien";

No Points, No Annual Fee,

No Application Fee;

Maximum Loan-to-Value = 80%;

Primary residence only;




Mortgage Type Mos. Rate APR Terms & Conditions
 Fixed Rate

1st Mortgages



For loans:


  * Up to $400,000

  * LTV of less than 80%































Purchase or Refinance; No Points; No Application Fee; 1-4 Family, Home Owner Occupied






Pre-Qualifying Mortgage Application:


For all "Other Mortgage" Products




  * Jumbo Fixed

  * FHA Fixed

  * VA Fixed and

  * 1st Time Home Buyers




Click here for rates offered by our mortgage partner, Allanach Mortgage Group:




Our goal is to respond to your application within 24 Hours!

For more information, please contact one of our credit union staff via:

  • Mail Box

  • Telephone  (781) 438-3959 / (978) 658-5394 or

  • Click the application link below to inquire about additional mortgage questions



Pre-Qualifying Mortgage Application:


VISA Credit Cards

VISA Platinum12 Revolving 11.99% Limit Up To $15,000; No Annual Fee;  Cash Advances @ 13.99%
VISA Platinum12

"First Time"

Credit Card Owners

Revolving 11.99% Limit Up To $300; No Annual Fee; Cash Advances @ 13.99%;

Requirements: 18 years or older, full-time employment for 90 days, no credit history (excluding student loans)

VISA Platinum13

Balance Transfers

Revolving 1.99% No Annual Fee; Cash Advances @ 13.99%;



Consumer Loan Application

Credit Card Application 


Joint Credit Card Application

Joint Credit Card Application



  1. New money only; cannot be combined with existing SMEFCU loans; Consolidation Loans: CU to pay vendors directly.
  2. 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%, $100K Program: minimum rate offered is 3.25%.
  3. 1st $300 of closing cost paid by credit union with a $20K minimum loan; closing costs incurred by the credit union must be reimbursed by the member if the loan pay down occurs in less than 36 months; new money only.
  4. Automobile rates include a .25% interest discount for payroll, direct deposit and automatic loan payments.
  5. Home Equity Loan rates include a 1.40% interest discount for New money only; refinanced loans with SMEFCU reflect a higher rate by 1.40%.
  1. Refer to our VISA Credit Card Application for full disclosures.
  2. Promotional rate is good from the date of the first balance transfer to 3/1/2016. After one year, balance reverts to our current credit card rate of 11.99% APR. This rate is good on balance transfers from other financial institutions only. Balance transfers of other SMEFCU loans are not eligible for this promotion. Both existing cardholder accounts and new accounts are eligible for this promotion. All applications are subject to credit approval. This promotional rate is good only on accounts in good standing.



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