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New
Bank
from home 24 hours a day, 7 days a week. With Home
Banking24, you can manage your accounts using your home computer. View
your account activity, transfer funds, order a stop payment, request a
draft order and so much more.
It’s
EASY, it’s CONVENIENT, and it’s FREE!
SIGN UP NOW!!!! Click here to get started banking online today!
Access to Complete Financial Solutions...
Just One Click AWAY!
Through the Stoneham Municipal Employees Federal Credit Union, there’s a financial network at your fingertips – and at your command. Simply visit our Web site home page at www.smefcu.org and click "Resource Center" OR click here.
MEMBERS Financial Network is a comprehensive resource that’s easy to use, and available 24/7. It has all the tools you need for planning your financial future and for answering your financial questions, no matter how simple or complex.
You can obtain vital financial data … get insurance quotes … buy mutual funds … trade online … track investments … use online financial calculators … review financial articles ... and more.
Specific services and tools on our Web site available through MEMBERS Financial Network include:
· Insurance & Investments* -- within this resource, you can:
get quotes for auto insurance
obtain premium quotes for term life insurance
find information on credit life and disability protection products
look up general mutual fund information and specific information on MEMBERS Mutual Funds
view policy information for many CUNA Mutual Life Insurance Company policies and initiate service transactions on them
apply for Accidental Death and Dismemberment insurance
·
The Brokerage Center*
– provides two ways for you to research investments and trade stocks online:
CUNA Brokerage Service makes investing easy with a full array of research and trading tools.
MEMBERS FOLIO Investing from FOLIOfn** offers an alternative to buying individual stocks. You can own a basket of 1 to 50 stocks, either selected by you or pre-packaged – the easy way to build your portfolio.
· My Financial Center – track news, stocks, mutual funds, and compile “watch lists.” Visit this convenient section daily for up-to-date stock market information. Since it's personalized, you can link easily to other spots within MEMBERS Financial Network.
· Money Management – use workbooks and online calculators to help evaluate and manage your finances and make plans for reaching your financial goals.
· The Education Center – get fast, easy access to unbiased educational articles on a wide range of financial topics.
Connect with a full network of financial solutions. For information and help with your financial directions and decisions, visit the Web site home page at www.smefcu.org and click "Resource Center" OR simply click here.
*Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866-512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the credit union. CBSI is a registered broker/dealer in all fifty states of the United States of America.
**Securities products and services offered through FOLIOfn Investments, Inc., member NASD/SIPC, P.O. Box 3068, Merrifield, VA 22116-3068, a registered broker/dealer. Investments are not federally insured, may lose value, not underwritten or guaranteed by the credit union.
Quick: Name a single credit union service that's convenient, saves you time, cuts down on clutter, puts more money in your pocket and prevents identity theft.
Still thinking? Electronic statement delivery, or "e-statement", is a seemingly simple service that packs a real punch. E-statements do it all:
Save time - E-statements are available the second business day of the month, up to a week sooner than mailed statements. Log on and view your statements anytime.
Fight clutter - A paper statement is just one more thing for your files (or that pile on your desk), while an e-statement can be quickly and easily stored on your PC or a disk. If you need a statement copy for any reason, just print one from your disk; 6 months of archived statements are available to you at all times.
Provide security - Identity theft still tends to be a low-tech crime, often the result of bills, credit card solicitations or financial statements swiped from a garbage can or mailbox. E-statements mean that less of your financial information is vulnerable to identity thieves, since you access them through a secure Internet connection, and only after you enter your personally selected, unique password.
Convenience - Whether your at home, work, or on vacation, you have 24-hour access to your statement. And you'll receive our newsletter, disclosures and any other insert that's usually in your mailed statement.
Save money - Printing and mailing statements costs a significant amount of money. When you elect to receive an e-statement, the credit union saves. Since credit unions are cooperatives, those savings come back to you as lower loan rates, higher deposit rates and new products and services.
And... its available to you for FREE - All you need is a PC with internet access, e-mail and Adobe Acrobat Reader (which is also free).
Sign up today!
Its Easy - Members can sign up by clicking Online E-Statement for an application. You can also click Print E-Statement for an application form; then once completed, mail, fax or deliver it to the credit union.
E-Statement Frequently Asked
Questions
Q:
What kind of computer software do I need to access my statement?
A:
Your E-Statements and inserts will be in PDF format. You will need Adobe Acrobat
Reader to read the statement and inserts. If you do not have Acrobat Reader
loaded on your computer it can be downloaded for free from the Adobe website:
www.adobe.com
Q:
Does my Internet connection affect the time it takes to download my statement?
A:
Yes. If you access the Internet via a dial-up or phone line connection, you can
expect your download time to take longer depending upon the file size and the
amount of “traffic” on your internet service provider’s access points.
Q:
How
do I view my statement?
A:
You will receive an e-mail each month advising you that your E-Statement and
informational inserts are attached.
From the e-mail message, click on the Home Banking24 icon.
Click on the MY ACCOUNTS button.
Input your Account Number and your PIN (Personal Identification Number).
Click on the STATEMENT button.
Once the month desired is selected, simply open it by clicking on the appropriate statement icon.
(We
recommend that you create a statement folder on your hard drive so that when you
click on "save it to disk", you save it in that folder. This way over time you
will establish a library of past statements for reference.)
Q:
Is
my account information protected from others viewing it?
A:
Your account information is protected with the latest encryption technology and
security features.
Q:
How
much does the credit union's E-Statement program cost?
A:
There is No Charge to you for the E-Statement program.
Q:
What if I “lose” my E-Statement. Can I get a paper copy of my statement?
A:
You may request a paper copy of your statement at any time in accordance with
the credit union's fee schedule [currently, up to two free reproductions per
month].
Q:
How
do I notify the Credit Union of my new e-mail address?
A:
You may contact the Credit Union by e-mail at
Charles@smefcu.org
or you may fax a note with your name, account number, new e-mail address and
signature to us at 781 438-6224.
Q:
When should I expect to receive my E-statement each month?
A:
Your E-Statement will usually be available to you on the 2nd or 3rd business day
of the new month.
Q:
What if I no longer want to receive my statement electronically?
A:
You can switch back to a paper statement at any time at no charge. Contact the
credit union in writing or by e-mail (at
Charles@smefcu.org)
that you wish to discontinue electronic statements.
Q:
What if I have more than one
Account Number? Can I sign up to receive an E-Statement
for all my accounts?
A:
Yes. You will need to complete an enrollment form for each of your Account
Numbers. You
may have all your statements go to the same e-mail address.
Q:
Can
a joint member sign up for E-Statements?
A:
For privacy reasons, only the primary member can sign up for E-Statements.
- check Writing available! -
Home Equity Line Of Credits
The Stoneham Municipal Employees Federal Credit Union is proud to announce one of our newest services to members with Home Equity Line-of-Credits.
Instant Borrowing Power With Free Check Writing Convenience!
This service enables you to access your funds by simply writing a Special Home Equity Check. And ... as you're loan balance is paid down, it becomes available again for re-use.
- No longer do you have to complete an "Advancement Form on your credit line -
 Write
as many checks as you wish during the draw period and up to the
credit limit available. |
|
No
fees charged for check usage or for additional check orders. |
|
Receive
Documentation as checks are processed verifying new balances,
payments and due dates. |
|
Checks
written are valid for
$500 or more. |
Check Writing puts cash into your hands immediately - whenever and wherever!
Its that simple!
If you don't have a credit union Home Equity Line-Of-Credit, you may be missing out on one of the smartest ways to AFFORDABLY get cash. Tap into the equity in your home to get money for what you really want and need: may be a new family room, a first-class vacation, high-rate debt consolidation, tuition costs or a new automobile.
Its an opportunity you don't want to pass up:
NO Points, NO Annual Fee, and LOW Closing Costs - Including a $300 Reduction in closing cost with a minimum of $20,000 initial advancement
Great Rate - PRIME RATE for the life of the credit line! This rate that could save you hundreds, maybe thousands, each year
Large Sums - Borrow up to 80% loan-to-value on your home, up to $75,000 maximum for up to 15 years
Easy Terms - We can set up a payment schedule that will fit affordably into your monthly budget. Take advantage of the convenience of having your payment paid electronically or through payroll deduction. Applications are easy, approvals are quick, and the closing conveniently takes place at the Credit Union's attorney's office.
Great Tax Advantages* - Since your loan is tied to your home, you may be able to deduct the interest you pay each month! Credit cards do not offer this money-saving opportunity. * Consult with your tax advisor
BECOME A FRIEND!... AND JOIN THE CREDIT UNION
We are very proud to announce the addition of Friends of the Library as our newest supporter for credit union membership. Now, with the help of "The Friends" all members of theirs can also join and become members of the Stoneham Municipal Employees Federal Credit Union.
Who are the Friends?, you ask: The Friends of the Stoneham Public Library is a non-profit organization composed of members interested in enriching the quality of Library resources and services. The Friends share energy, knowledge, and expertise to support activities that help the Library staff and enhance Library facilities. Through fundraising, the Friends provide resources and programs that are not necessarily covered by the Library's budget.
Friends Sponsored Programs and Benefits:
Annual Book and Bake Sale
Eligibility for membership at the Stoneham Municipal Employees FCU
Encouragement of gifts and memorials from the community
Special Guests / Book Discussion Groups
How to Join: MEMBERSHIP IS OPEN TO ALL and applications are available both at the Library and at our credit union branches. To find out more about the Friends, please feel free to click on to the Friends of the Stoneham Public Library website.
Don't hesitate another second! Here's an opportunity for you, your relatives, your friends and all your neighbors, to make a worthwhile contribution to the community plus, experience membership with a credit union who cares about quality financial services for all.
It's easy to make the switch to Stoneham Municipal Employees Federal Credit Union for all your checking needs. Once you've opened your checking account with us, everything you need to switch from another financial institution is right here - and it's as Easy As 1-2-3!
Switch or Start Direct Deposit - Tell your employer (or social services) when and where to send your future direct deposits.
Switch Automatic Payments - Notify each company to apply payments to your new credit union checking account.
Close Your Old Account - Request the other institution when to close out your account and where to send the balance.
Simply click here, The "Switch Kit " Application, and follow the instructions. It's as easy as that.
Still not convinced? Consider some of the benefits:
Free New Accounts - First Box of Basic Checks
Free "Golden Age" (60 Yrs. Young w/ Direct Deposit) - First Two (2) Boxes of Basic Checks per Year
Free 24/7 Home Banking (HomeBanking24)
Free 24/7 Telephone Banking (Access24)
Free ATM/Visa Check Cards
Free Monthly Electronic Statements
Free Direct Deposit Service
Free Bill Payer For The First 6 Months
No Per-Check Fee
No Monthly Service Fee
No Minimum Balance Required
Over Draft Protection Available
Dividends Available On Checking With A $500 Balance.
Make the switch to a Stoneham Municipal Employees Federal Credit Union Checking Account today... you'll be glad you did!
For more information – please contact us by phone (781-438-3959 or 978-658-5394), email us (help@smefcu.org) or visit any one of our helpful, knowledgeable staff in either Stoneham or Wilmington.
HARD TO BEAT RATES - CAR LOANS THAT MAKE SENSE!
Let
Stoneham Municipal Employees FCU
put you in the driver's seat of a new -- or new-to-you -- car, truck, SUV or a
Hybrid!
Stoneham Municipal Employees FCU offers you an exceptionally good deal on auto financing for both new and used vehicles; you'll find we're more competitively priced than most dealer financing options.
New Auto Loans - We offer some of the lowest new auto rates in town! Stoneham Municipal Employees FCU's new auto loans allow you to finance up to 100% of the cost of purchasing a new vehicle -- and when you apply for a loan with us, you'll receive a rapid response and loan turn-around. You can also choose from either of our two financing terms:
New Automobiles - 60 MOS - 4.74% APR1
New Automobiles - 72 MOS - 4.99% APR1
Used Auto Loans - For the savvy member, used cars are often the best automotive deals. Late model cars are still reliable, and offer good value for the money because their original owners have absorbed the bulk of the cars' depreciation.
Used (2001-2007) Automobiles - 60 MOS - 85% Financing - 5.49% APR1
2nd Chance! Auto Transfer Loans - Stuck with a high-interest auto loan from a car dealer or bank? Refinancing with Stoneham Municipal Employees FCU can give you a lower APR on your monthly payments, saving you money in interest - or paying the same amount per month and pay off your car or truck even faster! If you qualify, we'll finance your payoff balance regardless of the NADA value of your automobile. Up to a 60 month term and 100% refinancing of your current loan balance with rates of:
"2nd Chance" (Refinanced) Automobiles - 4.74% APR1
NOTE: Present one of our current DISCOUNT COUPONS with your application
and get as low as 4.49% APR "Auto Transfer" rate!
1 Rates listed above include a .25% Interest Discount for members who sign up for automatic Payroll Deduction, Direct Deposit or Loan Transfer payments.
* The above car rates are not extended to auto loans currently financed at the Credit Union.
Car Buying Tips
...
>>> In order to avoid car buyer's remorse, we recommend not purchasing a car on the spot. Instead, make a deposit on the car of your choice and take time to re-evaluate your decision. Then, contact a Stoneham Municipal Employees FCU's Service Representative for advice! We can help determine the value of the automobile and your payment options. This process will help you avoid paying too much for the vehicle while insuring that the payments meet your budget.
>>> Loan Pre-Approvals at your credit union are common and give you the confidence to kick the tires of a car that you know you can afford. Besides the peace of mind you receive, you also know you're getting a low interest rate loan with no hidden fees! All pre-approvals are good for 30 days.
>>> If a dealer offers a rebate plan, consider taking that instead of its low-rate financing. Add the rebate to your down payment and apply for a Stoneham Municipal Employees FCU Automobile Refinance loan. The larger down payment will reduce the amount you need to finance.
>>> Always consider your credit union for your Auto Financing. We typically offer a better option than a dealer because dealer financing often use a sliding scale where the best rates are for the shortest term, resulting in high payments . Our continued goal is to get you the best rate and manageable payments to meet your budget.
Be sure to check out our Rate Chart to find other loan programs that fits your needs.
BILL PAYER - SO LONG TO CHECKS, ENVELOPES AND STAMPS!
Try it out! There's NO SERVICE FEE for the FIRST 6 MONTHS
Why rush to the post office to pay your bills when you can do it from the
convenience of your own home or anywhere you have access to a computer? How do
you do that?
The answer is ...
Bill Payer, Stoneham Municipal Employees Federal Credit Union's
online bill paying service. Bill Payer is "user friendly" and allows you to pay
your bills easily and efficiently over the web. You save the time of writing
checks and running to the post office, and save money with no postage or check order
costs. Paying your bills will be fun
rather than a chore...no worries or hassles.
And its so simple to access. Just log into HomeBanking24 and click on the button labeled “My CU Bill Payer”. This brings you right to your bill payment page.
Security you ask? With our enhanced "Single Sign-on" feature, Bill Payer can only be accessed behind the security of your Home Banking24 login and password.
Bill Payer allows you to pay virtually any company or individual — charge accounts, utilities, auto loans, even your doctor or day care center. Other features include:
Bill Payer will only initiate the payment of your bills as you specify. You have total control!
The cost for Bill Payer is only $5.00 a month which automatically deducts from your account at the beginning of each month...
But we are so confident you will enjoy this service
we're offering it to you during the first 6 months - FREE!
- You can try it and cancel it at anytime -
To be eligible for Bill Payer, you must have a Share Draft/Checking Account with the credit union and have access to our online banking product, Home Banking24.
To sign up for Bill Payer, simply click on "Bill Payer" Enrollment Application, complete the form and submit it. It's that easy.
So, stop rushing to the post office and let Bill Payer take the stress out of paying your bills.
If you have any other questions or comments on this "Up & Coming Service", feel free to contact any one of our Branch Service Representatives and they'll be more than happy to help you.
fixed rate - HOME EQUITY LOAN PROGRAMS…
· A Great Opportunity You Don't Want To Pass Up!
| Low - Twelve Year Term (up to 144 Mos) | See our Rate Sheet ! |
| Lower - Ten Year Term (up to 120 Mos) | See our Rate Sheet ! |
| Lower - Seven Year Term (up to 84 Mos) | See our Rate Sheet ! |
| Lowest - Five Year Term (up to 60 Mos) | See our Rate Sheet ! |
Minimum loan $10,000 - Maximum $100,000
"1st Lien" Home Equity Loan: Minimum loan $10,000 - Maximum $125,000
· FAST - Closings within 7 Days of your approved application.
· AFFORDABLE - NO Annual Fee. NO Points. LOW Closing Cost - take at least $20K and the credit union will pay the first $300.(1)
· TAX DEDUCTIBLE - Ask your tax advisor how a Home Equity Loan can benefit your tax situation.
Get Cash Out of Your Home
Tap into the equity in your home to get money for what you really want and need:
Home Improvements
College Tuition
Debt Consolidation
Medical or Unexpected Expenses
· And any other need you may have…
To apply, call a Member Service Representative today or visit one of our branches in either Stoneham (781) 438-3959 or Wilmington (978) 658-5394.
(1) All closing costs incurred by the credit union must be reimbursed if loan balance is paid down in less than 36 months.
No draw period offered. Owner occupied properties only. Property insurance is required and flood insurance may be required. 80% maximum loan-to-value based on assessed value, otherwise an appraisal may be required. Automatic payment methods are available. This offer may change or end at any time without notice.
Defer taxable income and save for your retirement!
Its never too late to start saving for retirement ... or too early. As a member of the credit union, you can open either an IRA Savings Account or one of our new Jumbo IRA Certificates. And since there are no maintenance fees or commissions, every dollar you contribute helps build your retirement nest egg.
note: IRAs are insured up to $250,000 by the NCUA, an agency of the U.S. Government.
IRA Shares -
Minimum $5.00
Available for Traditional, Roth and Educational IRAs
Make periodic contributions to fit your budget
IRA Jumbo Certificates -
Minimum $30,000; "rollovers" from existing IRA accounts are strongly encouraged
Available for Traditional IRAs only
Two terms offered - 36 Months and 60 Months; Click here for our Current Rates!
Rates are fixed for the term of the certificate
For more information, please contact one of our experienced staff at (781) 438-3959 or (978) 658-5394.
