LOAN RATES

Loan Rates

Rates and terms are accurate as of May 16, 2008, and are subject to change without notice.
Please call our Member Services Department at (781) 438-3959 or (978) 658-5394 for a current quote.
Loan Calculator

Consumer Loan Application                                    Consumer Joint Loan Application

Visa Credit Card Application                                  Visa Joint Credit Card Application

CONSUMER LOANS

TYPE MONTHS ANNUAL PERCENTAGE RATE TERMS

Unsecured Loan

up to 60
13.40%
Max $10,000

Personal
Line-of-Credit
Open 13.50%
Max $10,000    <$5K-$100/Pymt,   >$5K-$150/Pymt

Overdraft
Protection L-O-C
Open 13.90%
Max $1500      $50 Payment/Mo.

Share Secured Loan
up to 60 4.00%
(Dividend Rate + 3%) - $500 Min

AUTOMOBILE LOANS

TYPE MONTHS ANNUAL PERCENTAGE RATE TERMS

All Auto Loans - rate includes a .25% discount for P/R, D/D or automatic Payments

New Auto Loan
60 4.74%
Max $50,000 - 100% of NADA value - 2007-'09 only

New Auto Loan
72 4.99%
Max $50,000 - 100% of NADA value - 2007-'09 only

Used Auto Loan
60 5.49%
Max $40,000 - 85% of NADA value - 2001-2007 only

2nd Chance!

"Auto Transfer" Loan **
60 4.74%
100% Of Your Current Loan Balance! - 2001-'08 only

Recreational Vehicle
48 9.90%
Max $20,000 - 65% of value - 2001-2008 only

HOME EQUITY LINE OF CREDIT / Other Mortgage Products

TYPE MONTHS ANNUAL PERCENTAGE RATE TERMS

Home Equity
Line-of-Credit
180 Prime
5.00%
*(ARM)

*Max $75,000. *10 Yr draw period. *15 Year Term.
*No Points. *No Annual Fee. *No Application Fee.
*First $300 of closing cost paid by credit union with a $20K minimum initial advancement⁽¹⁾.
*Max Loan-to-Value = 80%. *Primary Residence only.

Home Equity
Loans
(Fixed Rate)

60
84

120
5.24%
5.62%

5.93%

*Min $10K. * Max $75K. *Primary Residence only. *First $300 of closing cost paid by credit union with a $20K minimum initial balance⁽¹⁾. *No Points. *No Annual Fee. *No Application Fee. *Closing Dates within 24 hours of the loan approval. *Max loan-to-value=80%. * No Draw Period

for A full array of

other Mortgage Products
and
rates

Contact our partner,

MEMBERS MORTGAGE Co., Inc.

at: http://www.membersmortgage.com/

or by telephone: (800) 316-9790

VISA CREDIT CARD

TYPE MONTHS ANNUAL PERCENTAGE RATE TERMS

VISA Classic
Revolving 10.90%
Max $15,000 - Special: 10.00% 1st 6 Mos

Loan applications may be submitted in person, by mail, telephone, fax or internet.
          Loan Application    Stoneham Fax: 781-438-6224   Wilmington Fax: 978-988-0727

Title/Liens and $500 Deductible Collision insurance are required with all vehicle loans.

The aggregate unsecured loan limit to any one member is $25,000.

Pre-approvals are available on all loans.

*ARM means Adjustable Rate Mortgage

** offer does not apply to existing loans currently at the Stoneham Municipal Employees FCU

⁽¹⁾Closing costs incurred by the credit union must be reimbursed by the member if loan pay down occurs in less than 36 months.

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40 Pine Street, Stoneham, MA 02180 · Office: 781-438-3959 · Fax: 781-438-6224 · Access24: 781-438-3092
200 Jefferson Road, Wilmington, MA 01887 · Office: 978-658-5394 · Fax: 978-988-0727 · Access24: 978-658-2122
www.smefcu.org · Routing & Transit # 2113-86005

CONSUMER LOANS
TYPE	MONTHS	ANNUAL PERCENTAGE RATE	TERMS
Unsecured Loan	up to 60	13.40%	Max $10,000
Personal Line-of-Credit	Open	13.50%	Max $10,000 <$5K-$100/Pymt, >$5K-$150/Pymt
Overdraft Protection L-O-C	Open	13.90%	Max $1500 $50 Payment/Mo.
Share Secured Loan	up to 60	4.00%	(Dividend Rate + 3%) - $500 Min

AUTOMOBILE LOANS
TYPE	MONTHS	ANNUAL PERCENTAGE RATE	TERMS
All Auto Loans - rate includes a .25% discount for P/R, D/D or automatic Payments
New Auto Loan	60	4.74%	Max $50,000 - 100% of NADA value - 2007-'09 only
New Auto Loan	72	4.99%	Max $50,000 - 100% of NADA value - 2007-'09 only
Used Auto Loan	60	5.49%	Max $40,000 - 85% of NADA value - 2001-2007 only
2nd Chance! "Auto Transfer" Loan **	60	4.74%	100% Of Your Current Loan Balance! - 2001-'08 only
Recreational Vehicle	48	9.90%	Max $20,000 - 65% of value - 2001-2008 only

HOME EQUITY LINE OF CREDIT / Other Mortgage Products
TYPE	MONTHS	ANNUAL PERCENTAGE RATE	TERMS
Home Equity Line-of-Credit	180	Prime 5.00% *(ARM)	Max $75,000. 10 Yr draw period. 15 Year Term. No Points. No Annual Fee. No Application Fee. First $300 of closing cost paid by credit union with a $20K minimum initial advancement⁽¹⁾. Max Loan-to-Value = 80%. *Primary Residence only.
Home Equity Loans (Fixed Rate)	60 84 120	5.24% 5.62% 5.93%	Min $10K. Max $75K. Primary Residence only. First $300 of closing cost paid by credit union with a $20K minimum initial balance⁽¹⁾. No Points. No Annual Fee. No Application Fee. Closing Dates within 24 hours of the loan approval. Max loan-to-value=80%. No Draw Period
for A full array of other Mortgage Products		and rates	Contact our partner, MEMBERS MORTGAGE Co., Inc. at: http://www.membersmortgage.com/ or by telephone: (800) 316-9790

VISA CREDIT CARD
TYPE	MONTHS	ANNUAL PERCENTAGE RATE	TERMS
VISA Classic	Revolving	10.90%	Max $15,000 - Special: 10.00% 1st 6 Mos


Loan applications may be submitted in person, by mail, telephone, fax or internet. Loan Application Stoneham Fax: 781-438-6224 Wilmington Fax: 978-988-0727
Title/Liens and $500 Deductible Collision insurance are required with all vehicle loans.
The aggregate unsecured loan limit to any one member is $25,000.
Pre-approvals are available on all loans.
*ARM means Adjustable Rate Mortgage
** offer does not apply to existing loans currently at the Stoneham Municipal Employees FCU
⁽¹⁾Closing costs incurred by the credit union must be reimbursed by the member if loan pay down occurs in less than 36 months.