Stoneham Municipal Employees Federal Credit Union Savings & Money Market Rates

How Stoneham Municipal Employees Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Boston, MA-NH, where Stoneham Municipal Employees Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Stoneham Municipal Employees Federal Credit Union
1.90%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$190
Money Market Account
Top rate
Leader Bank
5.00%APY
Requires
Monthly account activity
Minimum
$10
Earns on $10,000 a year
$500
Leader Bank rates
2nd-highest rate
Albright Credit Union
5.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$500
Albright Credit Union rates

Compare savings rates near you →

Savings score

Higher than 83% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0001.90%
$100,000 balance$100,0002.25%
QualifiedQualified1.90%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Stoneham Municipal Employees Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Account

Up to 1.90%APY$5 to open

Tiered rate account. Dividend rate and APY apply to Average Daily Balance of the account for the month. Rates subject to change without notice.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upMinimum balance required for dividends: $100.00	0.05%	$5	Minimum balance required for dividends: $100.00
Over $2,000Minimum balance required for dividends: $2,000.01	1.90%	$190	Minimum balance required for dividends: $2,000.01
Over $20,000Minimum balance required for dividends: $20,000.01	2.05%	—	Minimum balance required for dividends: $20,000.01
Over $75,000Minimum balance required for dividends: $75,000.01	2.25%	—	Minimum balance required for dividends: $75,000.01

Sources (1)

smefcu.org/rates · captured Oct 5, 2026

All Purpose Shares

0.05%APY

Dividends are compounded and credited monthly based on Average Daily Balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upDividends are compounded and credited monthly based on Average Daily Balance.$100 and up	0.05%	$5	Dividends are compounded and credited monthly based on Average Daily Balance.

Sources (2)

All captured Oct 5, 2026

Regular Shares Savings

0.05%APY$5 to open

Deposit $5 to open a Primary Share (Savings) Account and become a member/owner/shareholder of the credit union.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upDividends are compounded and credited monthly based on Average Daily Balance. Minimum balance required for dividends is $100.00. Minimum balance required is $5.00.$100 and up	0.05%	$5	Dividends are compounded and credited monthly based on Average Daily Balance. Minimum balance required for dividends is $100.00. Minimum balance required is $5.00.

Sources (2)

All captured Oct 5, 2026

Special-purpose accounts

IRA Traditional Shares

0.25%APYIRA$5 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends are compounded and credited monthly based on Average Daily Balance. Minimum balance required is $5.00.Any balance	0.25%	$25	Dividends are compounded and credited monthly based on Average Daily Balance. Minimum balance required is $5.00.

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.

Check membership requirements ↗Branches and institution details

← Stoneham Municipal Employees Federal Credit Union overview