Consumer Loans Rates

Rate information is current as of: March 12, 2010

Rates and fees are subject to change without notice.

Auto, Motorcycle, Boat & RV Loans - Rates Starting At…

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees**
Auto Model Year 2010	3.49%	3.49%	up to 63 mo.	$17.40	$50
	4.50%	4.50%	64-69 mos.	$16.48	$50
	5.00%	5.00%	70-75 mos.	$15.56	$50
	5.80%	5.80%	76-84 mos.	$14.49	$50
Auto Model Year 2009	3.49%	3.49%	up to 63 mo.	$17.40	$50
	4.50%	4.50%	64-69 mos.	$16.48	$50
	5.00%	5.00%	70-75 mos.	$15.56	$50
	5.80%	5.80%	76-84 mos.	$14.52	$50
Auto Model Year 2008	4.20%	4.20%	up to 60 mo.	$18.51	$50
	4.55%	4.55%	61-66 mos.	$17.16	$50
	5.10%	5.10%	67-72 mos.	$16.15	$50
	5.60%	5.60%	73-75 mos.	$15.84	$50
Auto Model Year 2007	4.34%	4.34%	up to 60 mo.	$18.57	$50
	4.74%	4.74%	61-66 mos.	$17.25	$50
	5.49%	5.49%	67-72 mos.	$16.34	$50
Auto Model Year 2006	4.59%	4.59%	up to 60 mo.	$18.69	$50
Auto Model Year 2006	4.90%	4.90%	61-66 mos.	$17.32	$50
Auto Model Year 2005	4.80%	4.80%	up to 48 mo.	$22.94	$50
Auto Model Year 2005	4.95%	4.95%	49-60 mos.	$18.85	$50
Auto Model Year 2004	6.25%	6.25%	up to 42 mo.	$26.58	$50
Auto Model Year 2004	6.50%	6.50%	43-48 mos.	$23.72	$50
Auto Model Year 2003 & older	7.00%	7.00%	up to 36 mo.	$30.88	$50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV (Model year 2004 and newer)	13.50%	13.50%	up to 60 mo.	$23.01	$50
RV & Boats (Model Year 2004 and newer)	13.50%	13.50%	up to 60 mo.	$23.01	$50
	12.75%	12.75%	61-84 mos.	$18.06	$50
	11.00%	11.00%	85-120 mos.	$13.78	$50

Title, UCC & VSI fees will be charge when necessary

*Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on $10,000 financed, except for 72-75 month term Auto which is based on the $15,000 minimum loan amount, and 76 -84 month term Auto which is based on the $25,000 minimum loan amount. APR and term are based on evaluation of applicants credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

**$50 application fee is waived with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Personal Loans - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees**
Personal Unsecured	13.49%	13.49%	up to 48 mo.	$27.06	$50

*Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $5,000. Based on maximum terms. APR is based on evaluation of applicants credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

**$50 application fee is waived with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Bill Consolidation Loans - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees
Bill Consolidation (Unsecured)	13.74%	13.74%	up to 48 mo.	$27.18	none

*Annual Percentage Rate (APR) based on loan amount of $5,000. Based on maximum terms. APR is based on evaluation of applicants credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

MyPay Line of Credit

Loan Type	Interest Rate	APR	Term	Fees
MyPay Line of Credit	18.00%	18.00%	Revolving	$15 to $25 / year

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Home Improvement Loans* - Rates Starting At...

Loan Type	Interest Rate	APR	Term	LTV	Monthly Payment per $1,000
Home Improvement Loan $10,000 maximum	10.75%	10.75%**	up to 60 mo.	n/a	$21.61
Green Rate Home Improvement Loan**** $10,000 maximum	5.99%	5.99%***	up to 60 mo.	n/a	$19.33

*For 1-4 family owner occupied primary residences only.

**Annual Percentage Rate (APR) reflects 0.25% discount for automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $10,000, and is based on evaluation of applicant's credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

***Annual Percentage Rate (APR) based on loan amount of $10,000 and requires automatic funds transfer from a St. Mary's Bank Beyond Checking account.

****For energy saving home improvement projects

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Home Equity Loans*

Loan Type	Interest Rate	APR**	Term	LTV	Monthly Payment per $1,000
Home Equity Loan: $10,000-$250,000	5.99%	5.99%	up to 60 mo.	up to 80%	$19.33
	6.49%	6.49%	61-120 mos.	up to 80%	$11.35
	6.74%	6.74%	121-180 mos.	up to 80%	$8.85

*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.

**Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR is based $10,000 amount financed for maximum term.

Home Equity Lines of Credit*

Loan Type	Interest Rate**	APR	Term	LTV	Fees****
Home Equity Line of Credit: $10,000 - $250,000	prime+0	prime+0	180 mo.	up to 80%	$50/year
Home Equity Line of Credit: $25,000 - $250,000***	prime minus .51	prime minus .51	180 mo.	up to 80%	$50/year

*For 1-4 family owner occupied primary residences only--80% CLTV with SMB 1st mortgage; 75% CLTV on all "Non" SMB 1st mortgage. If a line of credit agreement is paid in full and closed within 3 years of activation, a prepayment fee of $250 applies.

**SMB Prime is based on the Wall Street Journal prime rate and may change without notice. 16% Cap, 4% Floor.

***$15,000 Minimum advance at closing.

**** Annual fee waived with automatic payment from a St. Mary's Bank Beyond Checking account.

The following fees are waived*

Loan Type	Fee
Equity Loan/Line Appraisal	Single Family = $175 2-4 Family = $500 (Waived)*
Flood Certificate	$11 (Waived)*
Legal Work	$200 ($225 if amount borrowed exceeds $50,000) plus registry fees (Waived)*

Waived Fees

*St. Mary's is committed to remaining competitive, especially when it comes to rates and fees, so as a result we waive the fees listed above, saving you money and keeping your best interests in mind.