"The real job of a credit union is to prove, in modest measure, the practicality of the brotherhood of man."   Roy F. Bergengren



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.

"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:

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










About Us

Our Mission Statement

In order to help members gain a measure of personal financial success, our mission is to educate and provide a reliable, secure and friendly financial environment, which features benefits & advantages beyond those generally available from other financial institutions.


Board of Directors and Officials

Board of Directors


John A. Luther, Chairperson

Peter Lombardo, Vice-Chairperson

Joanne Anderson, Secretary

Maria Garuti, Treasurer

Charles F. Coogan, Director

Anita J. Woodland, Director

Elizabeth Whelan, Director


Supervisory Committee


Dorothy P. Corum, Chairperson

Elizabeth Whelan, Member

Mary Cerasuolo-Zatta, Member


Office Personnel

Ann Marie Waugh, President

Brenda Ward, Vice-President

Laurie Mercer, Operations Supervisor

Kim Gingras, Wilmington Branch Manager

Franca Foti, Assistant Operations Supervisor

Kelly Seguin, Wilmington Assistant Branch Manager

Linda Robinson, Member Service Teller

Karen Strack, Member Service Teller

Kathy Zolobus, Member Service Teller





Office Locations and Hours


Stoneham Office

40 Pine Street

Stoneham, MA 02180


Phone: (781) 438-3959

Fax: (781) 438-6224


Monday, Tuesday and Friday:

9:00 AM - 4:30 PM


9:00 AM - 3:00 PM


9:00 AM - 6:00 PM


9:00 AM - 12:00 PM


Wilmington Office

200 Jefferson Road

Wilmington, MA 01887


Phone: (978) 658-5394

Fax: (978) 988-0727


Monday, Tuesday and Friday:

8:30 AM - 11:30 AM

12:00 PM - 3:30 PM


8:30 AM - 11:30 AM

12:00 PM - 2:00 PM


8:30 AM - 11:30 AM

12:00 PM - 5:00 PM

Monday thru Friday:

Closed from 11:30 AM - 12:00 PM


Access 24

Audio Response System

(781) 438-3092

(978) 658-2122

24-Hour Telephone Teller

Home Banking 24

Virtual Branch

Online Banking

Offers online transactions, balances, draft Images, and more

Bill Payer

Pay bills electronically at your convenience


Retrieve up to 6 months of member statements