"Not for profit, not for charity, but for service."

 

   

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" 1.79%
Used Auto 1.79%
VISA Credit Card 11.99%
Use your Auto Title for a Cash Loan 8.99%

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

eZCardInfo.com!

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

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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 13th, 2014

Veterans Day     

       Tues., Nov 11th, 2014

Thanksgiving Day     

       Thur., Nov 27th, 2014

Christmas Holiday     

       Wed., Dec 24th, 2014

Stoneham - Close 12:00 pm

Wilmington - Close 11:30 am

       Thur., Dec 25th, 2014

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

 

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

 

 

 

 

 

 

   

 

 

   
 
 

 

Fee Schedule

 

General Services - Applicable to all Accounts

 

Open Regular Share Account (New Member) No Fee
Access 24 - Telephone Response System No Fee
Home Banking 24 - Online Banking (available with E-Statement sign-up) No Fee
E-Statements - Electronic Statement Delivery No Fee
Bill Payer - Introductory offer: first 6 months Free $5.00 per month

 

Postage Stamp Books - (3 Books max. per month) No Fee
Notary Service No Fee
3rd Party Credit Union Check - $500 or more No Fee
3rd Party Credit Union Check - less than $500 $3.00
Money Order $3.00
Gift Check $3.00
Foreign Check Transaction $25.00
NSF Returned Check $27.00
Tax Levy/Garnishment $30.00
Paper Statement Reproduction or Transaction History - (free via Home Banking 24) $5.00
Re-Open closed Regular Share Account - within a 6 month period $20.00
Inactive Account (after 1 year, 18 years of age or greater) $5.00 per month
Dormant Account (inactive for 3 years) $100.00

 

Returned Statements - Incorrect Address $3.00
Returned E-Statements - Incorrect E-mail Address $3.00
Real Estate Subordination $25.00
Real Estate Loan Discharge Reissue $25.00
IRA Transfer Out $25.00
Account Research and Account Balancing $40.00 per hour
Request for Account Activity and/or Balances1 $3.00
Early Withdrawal Penalty - Term Share Certificates2 180 Days' Dividend

 

Wire Transfers

 

Wire Transfer - Incoming No Fee
Wire Transfer - Outgoing, Domestic $25.00
Wire Transfer - Outgoing, International $55.00

 

 

ACH

 

ACH - NSF Returned Item $27.00
ACH - NSF paid by Share Transfer $5.00

 

 

ATM / Visa Check Card

 

Point of Sale (POS), Transfer and Deposits No Fee
Withdrawals - 10 Free Transactions per month3 $1.75
Balance Inquiries - 10 Free Transactions per month3 $1.75
NSF Recurring Transactions $27.00
NSF paid by Share Transfer $5.00
Inactive Card (after 6 months of no activity)4 $1.00 per month
Inactive Card (after 12 months of no activity)4 $5.00 per month
Card Replacement $10.00

 

 

Visa Credit Card

 

Annual Fee No Fee
Late Payment Fee $25.00
Return Check Fee $25.00
Card Replacement $10.00
Walk Thru Fee (member requested, expedited Card Replacement) $50.00

 

 

Share Drafts - All Checking Accounts

 

Service Fee - Waived for E-Statement participants and "Golden Age" Membership (minimum 60 years of age with direct deposit) $1.75 per month
Stop Payment $25.00
NSF Returned Item $27.00
NSF paid by Share Transfer $5.00
Draft Copy - (Free via Home Banking 24) $5.00

 

Personal Share Drafts - Checking Accounts

 

Per Transaction Fee No Fee
New Accounts - First Box of 50 Basic Checks No Fee
"Golden Age" Membership (minimum 60 years of age with direct deposit) - 1 Box of Basic Checks per Year No Fee

 

Business Share Drafts - Checking Accounts

 

Per Transaction Fee5 $0.40
  1. This fee will not be enforced unless requests occur more than twice per week.
  2. This fee does not apply to IRA Certificates requiring mandatory IRA contributions.
  3. This fee does not include surcharges imposed by ATM owners.
  4. This is defined as a card with no deposit, no withdrawal and no purchase activity during the period.
  5. Transactions are defined as deposits, checks paid , withdrawals, transfers, and ACH debits & credits.