Personal Banking

Checking / Home Equity Promotion

We’ll give you a step-up or a helping hand when you open any new checking account or home equity line/loan.

 Checking Accounts

 

 Home Equity Lines and Loans

Enjoy no minimum balance, no monthly fees and free ATM transactions.*

      • FREE online banking and bill pay
      • FREE Visa® Debit Card
      • FREE eStatements
      • Unlimited FREE ATM transactions nationwide with our SUM® or CO-OP® networks*

Find the account that's right for you.
We have the checking account that's right for you.
Learn more.

 

Need a loan? There's no place like home. Easy, affordable access to cash when you need it.

Home Equity Line of Credit
Currently at 2.99% APR*. Rate valid for a lmited time, take advantage now.

Home Equity Loans
Fixed rate. Currently as low as 5.99% APR.***

Act now – limited time offer
Take advantage of these special low rates.  Equity line and loan applications are fast and easy, apply today.

 

Pick your free gift. Choose between a cordless drill set or a step stool.

 































Promotion ends 5/14/10 or while supplies last. Available to new checking accounts with minimum deposit $100 or direct deposit; or with new home equity line or loan. Limit one gift per account or line/loan. St. Mary’s Bank reserves the right to substitute gift of similar value. *St. Mary’s Bank does not impose any ATM fees. To avoid surcharges by other institutions, use the CO-OP® or SUM® networks. *Annual Percentage Rate (APR) accurate as of 1/28/10. **Rate valid through 8/31/10, then changes to Prime -.51% for the remaining life of the line. (Prime Rate as published in the Wall Street Journal preceding the start of each monthly billing period. Current prime rate is 3.25%.) Minimum APR 4.00% and maximum APR 16%. $25,000 minimum line amount, $15,000 minimum draw required at closing. Loan-to-value (LTV) ratio up to 80%. One-to-four family owner occupied NH properties only. Rate and terms may change at any time and vary by loan amount. $50 annual fee waived with automatic payment from a St. Mary’s checking account. If line closed within three years, $250 prepayment fee applies. Properties held in trust are subject to $175 fee. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Applications subject to credit approval. Other rates and terms (up to 180 months) available. ***For 1-4 family owner occupied primary residences only--80% CLTV with SMB 1st mortgage; 75% CLTV on all "Non" SMB 1st mortgage. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $250 applies. APR is based $10,000 amount financed for maximum term. Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account.