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Stoneham Municipal Employees Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.40%1-year CD12 Month CD
0.10%SavingsAll Purpose Shares
0.85%3-year CD36 Month CD

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 81st largest credit union in the state of Massachusetts. It is also the 2,698th largest credit union in the nation. It was established in 1963 and as of March of 2016, it had grown to 6 employees and 3,088 members at 2 locations. Stoneham Municipal Employees Federal Credit Union 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
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD3.16%
Annual Interest Income$198.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$35.7MM$33.1MM
LoansQ1 2016vs Q1 2015$12.1MM$12.0MM
DepositsQ1 2016vs Q1 2015$32.6MM$30.2MM
Equity CapitalQ1 2016vs Q1 2015$3.0MM$2.9MM
Loan Loss AllowanceQ1 2016vs Q1 2015$55.00K$64.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$0$0
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates
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Stoneham Municipal Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$250-Youth Savings
0.50%--Traditional IRA
0.50%--Roth IRA
0.10%--Regular Shares
0.10%--Organizational Shares
0.10%--Club Accounts
0.10%--All Purpose Shares

Stoneham Municipal Employees Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Drafts

Stoneham Municipal Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$1k-36 Month CD
0.85%$1k-36 Month Youth CD
0.65%$1k-24 Month CD
0.65%$1k-24 Month Youth CD
0.56%$2,500-18 Month Bump-Up CD
0.56%$2,500-18 Month Bump-Up Youth CD
0.40%$1k-12 Month CD
0.40%$1k-12 Month Youth CD
0.30%$1k-6 Month CD
0.30%$1k-6 Month Youth CD

Stoneham Municipal Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$10k-60 Month IRA
0.85%$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