Services

Our Mission....

Semiconductor of Maine Federal Credit Union is a member owned organization providing our credit union family a wide range of financial services to meet their needs in a friendly and efficient manner.

Our Services.....

	VISA Check Cards
	Free CHIPS Online - Internet Home Banking
	Free Electronic Bill Payment
	Shared Branching Network transactions - locations
	CU e-Statements -- FREE Access to one year's worth of statements
	4 on-site ATMs as well as surcharge free access to Co-op ,  CU Surf , and CU 24 Network ATMs
	Verified by VISA Program
	FREE Teller Phone - 24 Hour Access to your accounts
	Share (Savings) Accounts
	Youth Accounts
	Share Draft (Checking) Accounts
	Share Certificates
	IRA Accounts
	Money Market Accounts
	Christmas Club Accounts
	All-Purpose Club Accounts
	Tuition Reimbursement Loans
	New Vehicle Loans
	Used Vehicle Loans
	Motorcycle Loans
	Boat Loans
	Personal (Unsecured) Loans
	Mortgage Loans - SemiFCU portfolio loans and 1st mortgage loans through our affiliate CUSO Mortgage Corporation http://www.cusomortgagecorp.com/
	Free Notary Service
	GROUP TERM LIFE INSURANCE Through this unique program, you can protect loved ones, pay for final expenses, or pay off other financial obligations, such as mortgages or personal loans.  Review the product description or receive a quote immediately!  Simply click on http://www.selman.cc/creditunion/index.cfm/smfcu.
	Loan Life & Disability Insurance (limitations apply, please see a loan officer for information)
	FREE Accidental Death Insurance
	Money Orders
	Auto/Homeowners Insurance (offered through Equinox agency - NOT NCUA insured)
	GAP Insurance (offered through a third party)
	Night Depository
	Information to obtain your credit report for FREE

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration - NCUA, a U.S. Government Agency.

Membership in Semiconductor of Maine Federal Credit Union is easy. If you are an employee or resident contractor of Fairchild Semiconductor or National Semiconductor, you can join SemiFCU! You can also join if:

	You are an employee or resident contractor at Idexx Laboratories, Fairchild Semiconductor or National Semiconductor in South Portland, Maine.
	You are an employee of the Saco Bay Physical Therapy
	You are a family member of an employee at Idexx Laboratories, Fairchild or National Semiconductor's South Portland, Maine facility, or Saco Bay Physical Therapy.
	You are retired from Idexx Laboratories, Fairchild or National Semiconductor's South Portland Maine facility and are receiving retirement benefits from the company.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.

All it takes is a $25 deposit in a share account and you instantly get all of these benefits.