Credit union · NCUA insured
Stoneham Municipal Employees Federal Credit Union Credit Card Rates
Top CarrotStoneham Municipal Employees Federal Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Stoneham Municipal Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where Stoneham Municipal Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Stoneham Municipal Employees Federal Credit Union
11.99%APR
- Up to
- —
Visa Platinum "First Time" Credit Card Owners
Lowest rate
Albright Credit Union
7.99%APR
- Up to
- 17.99% APR
2nd-lowest rate
Beverly Municipal Federal Credit Union
7.99%APR
- Up to
- —
Stoneham Municipal Employees Federal Credit Union credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Stoneham Municipal Employees Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Limit up to $15,000; cash advances at 13.99% APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | Revolving credit; limit up to $15,000; cash advances @ 13.99% |
Visa Platinum "First Time" Credit Card Owners
Limit up to $300; requirements: 18 years or older, full-time employment for 90 days, no credit history (excluding student loans); cash advances at 13.99% APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | Revolving credit; limit up to $300; cash advances @ 13.99%; Requirements: 18 years or older, full-time employment for 90 days, no credit history (excluding student loans) |
Sources (1)
- smefcu.org/rates · captured Oct 5, 2026
Who can join Stoneham Municipal Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals in the served communities of Stoneham, Wilmington, Melrose, Middleton, Reading, North Reading, and Wakefield.
Employers and groups
- Membership is available to employees of local businesses approved by the Board of Directors.
- Membership is available to members of the Friends of the Melrose Library.
- Membership is available to members of the Friends of the Stoneham Public Library.
- Membership is available to members of the Friends of Wilmington Memorial Library.
Military, government and schools
- Membership is available to students of the Stoneham Public School System.
Membership information collected October 5, 2026.