"In the credit unions, individuals combine together to form an organization which they themselves control and operate."   Karl S. Little




What's New

Today's Loan Rates as low as...

Fixed Mortgage 2.75%
Fixed Home Equity  2.75%
Home Equity LOC  3.25%
Consolidation Loan 9.90%
New Auto 1.79%
Auto "Refi" 1.75%
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

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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.

"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

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:

Columbus Day     

       Mon., Oct 12th, 2015

Veterans Day     

       Wed., Nov 11th, 2015

Thanksgiving Day     

       Thurs., Nov 26th, 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













The Stoneham m.e. Federal Credit Union proudly serves the Communities of Stoneham, Wilmington, North Reading, and Middleton. Membership is also open to Anyone who becomes a member of the "Friends of the Stoneham Public Library", students of the Stoneham Public School System, and employees of local businesses approved by the Board of Directors.


Once you become a member of the credit union, you're a member for life, regardless of your employment or residence.


Becoming A Member

To open an account, please pick up an application at our main office in Stoneham, our branch in Wilmington, or simply click on the "Apply Now" link above. 


Our friendly and knowledgeable staff are always available to help you establish a relationship with the credit union and answer any questions you may have.


Patriot Act Notice

Important Information About Procedures

For Opening A New Account


In accordance with section 326 of the USA Patriot Act, and to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.


What this means for you: When you open an account, the Stoneham m.e. Federal Credit Union will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for a copy of your driver's license or other identifying documents. For accounts opened with the person not present at the credit union, these items must be submitted to the credit union included with a Notary Public signature, authenticating execution of the documentation. This also includes organization documents for the opening of D/B/As (Doing Business As) and associated organization accounts.





Current Field of Membership


People from the following Communities:

  • Town of Middleton, MA
  • Town of North Reading, MA
  • Town of Stoneham, MA
  • Town of Wilmington, MA


Members of the following Organization:


Students of the following School System:

  • Stoneham Public Schools

Employees of the following Organizations:

  • Abundant Life Christian School and Learning Center
  • ADA Engineering
  • Best Home Care "n More
  • East Coast Microwave
  • Eastern Corporation Federal Credit Union
  • G&G Printing Company
  • Johnson Realty Trust
  • K. J. Miller Company Inc.
  • Members Mortgage Inc.
  • NAPA New England Distribution Center
  • Our Place/M.E.L.D.
  • Penny Electrical Corporation
  • Viking Tree Inc.
  • Walter Curran Automotive