Stoneham Municipal Employees Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
1.00%1-year CD
0.10%Savings
2.00%3-year CD
View all Stoneham Municipal Employees Federal Credit Union rates »

Overview / Commentary
781-438-3959
40 Pine St
Stoneham, MA 02180-2048

Stoneham Municipal Employees Federal Credit Union is headquartered in Stoneham and is the 72nd largest credit union in the state of Massachusetts. It is also the 2,338th largest credit union in the nation. It was established in 1963 and as of December of 2018, it had grown to 8 employees and 4,295 members at 3 locations. Stoneham Municipal Employees Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone through becoming a member of the "Friends of the Stoneham Public Library". Membership is also open to those living in Stoneham, North Reading, Wilmington, or Middleton, and to students of the Stoneham Public School System and employees of select area businesses.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Stoneham Municipal Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #15393
Year Chartered1963
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.32%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$49.1MM$38.2MM
LoansQ4 2018vs Q4 2017$21.6MM$12.6MM
DepositsQ4 2018vs Q4 2017$43.8MM$35.0MM
Equity CapitalQ4 2018vs Q4 2017$5.1MM$3.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$111.00K$59.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$4.00K$10.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Stoneham Municipal Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5-Traditional IRA Shares
0.10%$100-Regular Shares
0.10%$100-Organizational Shares
0.10%$100-All Purpose Shares

Stoneham Municipal Employees Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Share Drafts

Stoneham Municipal Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-36 Month CD
2.00%$250-36 Month Youth CD
1.50%$1k-24 Month CD
1.50%$250-24 Month Youth CD
1.25%$2.5k-18 Month Bump-Up CD
1.25%$250-18 Month Bump-Up Youth CD
1.00%$1k-6 Month CD
1.00%$1k-12 Month CD
1.00%$250-6 Month Youth CD
1.00%$250-12 Month Youth CD

Stoneham Municipal Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.45%$10k-60 Month IRA
2.15%$10k-36 Month IRA
Locations


Stoneham Municipal Employees Federal Credit Union Locations
Branch Office40 Pine StStoneham, MA 02180-2048
Branch Office200 Jefferson RDWilmington, MA 01887-1963
Branch Office616 Main StMelrose, MA 02176-3116

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