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Stoneham Municipal Employees is a Federally charted, full service credit union serving
members since 1963. We offer a full range of financial services and are
committed to meeting and fulfilling the financial expectations of our members.
... looking forward to serving you!
We DON'T Do CARD TRICKS Here!
The Stoneham Municipal Employees Credit Union DOES NOT charge a monthly fee for our ATM/Debit Cards.
To order a card, simply CLICK here.
And ... our Checking Account Services offer all the amenities you'll ever need:
Interested in a
new Checking Account?
New and Used Car Rate Specials
Limited Time Offer!
Click here for Automobile Loan Applications
This offer is subject to change / expire without notice. Rate reflects a .25% discount with automatic loan payments. New Money Only. Cannot be combined with existing SMEFCU loans. Automobile must be a 2005 or newer. Other conditions may apply. APR=Annual Percentage Rate.
Love Your Car But Not Your Loan?
If you've financed a vehicle through a dealer or another financial institution, and you think you're paying too much for your loan or your monthly payments are too high, compare your rate and term to what we are offering.
Auto-Transfer Loan - 2.79% APR With terms up to 6 years
Save a bundle over the life of the loan!
Click here for Automobile Loan Applications
This offer is subject to change / expire without notice. Rate reflects a .25% discount with automatic loan payments. New Money Only. Cannot be combined with existing SMEFCU loans. Automobile must be a 2004 or newer. Other conditions may apply. APR=Annual Percentage Rate.
Home Equity and Home Equity Line-Of-Credit Loans
After all the years of paying for your dream home, now it's time to let your home pay for your dreams.
With a Home Equity Loan or a Home Equity Line of Credit from SMEFCU you can get the money you need to:
Benefits of a Home Equity Loan:
Benefits of a Home Equity Line-Of-Credit:
In both cases: No points! No annual fee! A low, low closing cost! (plus an additional $300 closing cost reduction if your initial advancement is for $20K or more) and Tax-deductible paid interest! [please check with a tax consult to confirm your status]
Click here to view our Current Home Equity Rates
Ask any one of our staff for a Home Equity Loan Application today.
* These rates include a .75% discount for New Money Only; refinanced SMEFCU loans reflect a higher rate by .75%.
OUR NEWEST MEMBER SERVICE!
Sallie Mae Smart Option Student Loan®
The Stoneham Municipal Employees Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.
The Smart Option Student Loan features and benefits:
To learn more or to apply, please CLICK here.
Our Seasons Gift To You...
An Affordable 15 YEAR MORTGAGE
PLUS... we'll pay the appraisal fee (a $350 value) at the time of the closing.
OTHER RATES AND TERMS AVAILABLE - FIRST COME, FIRST SERVE!
There's never been a better time to get a mortgage at the Stoneham Municipal Employees FCU.
Not only are rates at record lows, but our partnership with Allanach Mortgage Group allows us to offer the leading edge technology, wide variety of first mortgage products, and fast, courteous service you deserve.
Our goal - to respond to your application within 24 Hours!
Feel free to call us with questions or for personal assistance at (781) 438-3959.
To get started, simply
Click here to view Current Mortgage Rates & Products
Click here to complete our "Pre-Qualifying" Application today.
Over-the-Counter Sales of Paper Savings Bonds Ending in 2011
The U.S. Department of the Treasury will end over-the-counter sales of paper savings bonds on December 31, 2011, including sales through credit unions, other financial institutions and applications mailed directly to the Federal Reserve Bank by customers. This move is expected to save taxpayers an estimated $70 million over the next five years.
Although paper bonds are being discontinued, electronic Series EE and Series I Savings Bonds will remain available for purchase via TreasuryDirect. This secure, web-based system, operated by the Bureau of the Public Debt, has been used by investors since 2002 to purchase savings bonds online.
Visit www.TreasuryDirect.gov to learn more.
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