Home Equity Special Rate Promotion

Choosing a color is the hard part.

But there's one shade of green that goes with everything. If you need cash for a home improvement project, choose a St. Mary's home equity line or loan. Get a low rate and easy payments that fit your budget.

Renovate. Repair. Relax.

Home Equity Line of Credit
Currently at 2.74% 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.

*Annual Percentage Rate (APR) accurate as of 7/30/10. **Advertised rate valid for the first six monthly billing cycles, then rate changes to Prime -.25% 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 3.25% and maximum APR 16%. $25,000 minimum line amount, $10,000 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, $350 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.

St. Mary’s Bank is a member-owned credit union. Membership opened with purchase of one share of capital stock for $5.This credit union is federally insured by the National Credit Union Administration. Equal Housing Lender.