Home Equity Lines and Loans

Your kitchen wants new appliances and has the money to pay for them.


New lower home equity rates make it a great time to make changes for the better – around the house or anywhere you have in mind.

Easy, affordable access to cash when you need it.

Home Equity Line of Credit
Currently as low as 5.49% APR, that's Prime – 0.51%* for the life of the loan.

Home Equity Loans - Fixed rate
Fixed rate currently as low as 6.24% fixed APR**.

Act now to get the best rate
Contact us today to take advantage of our lower rates. Our application is available at any of our branch locations, online, or by phone at 1.888.786.2791

At St. Mary's Bank we offer options. 
Whether you prefer a fixed rate or the flexibility of a line of credit, we offer both home equity loans and lines at great rates. Look no further, we have the right product for you.

*Variable Annual Percentage Rate (APR) based on Prime Rate published in the most recent edition of the Wall Street Journal preceding the start of the billing period. Prime -0.51%  for the life of the line, current Prime Rate (6.00% as of  3/17/2008), with a 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 and LTV ratio. Maximum APR 16%. $50 annual fee will be waived with automatic payment from a St. Mary’s Bank checking account. If a line of credit agreement is paid in full and closed within two years of activation, a prepayment fee of $250 applies. $25,000 minimum draw required at closing - may be paid off at any time. Properties held in trust are subject to $200 fee. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Applications subject to credit approval. 48 hour closing available in most instances on loans of $50,000 or less. Processing time varies by property title.

**Annual Percentage Rate (APR) accurate as of March 17, 2008 and subject to change. Rates as low as 6.24% on a 60-month term with automatic payment from a St. Mary’s Bank Beyond Checking account. Subject to 80% Loan to Value (LTV). One-to-four family, owner-occupied properties in NH only. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Application subject to individual approval. 48 hour closing available in most instances on loans of $50,000 or less. Processing time varies by property title. $200 fee for properties held in trust. Other rates and terms (up to 180 months) available.