Rates

Consumer Loans Rates

Rate information is current as of: April 1, 2014. Rates and fees are subject to change without notice.



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Auto Loans - Rates Starting At…


Loan TypeInterest RateAPR*TermMonthly Payment per $1,000Fees**
Auto Model Year 2012 to 20142.04%2.04%up to 63 mos.$16.75$50
2.49%2.49%64-72 mos.$14.97$50
2.69%2.69%73-75 mos.$14.50$50
4.40%4.40%76-84 mos.$13.84$50
Auto Model Year 20112.30%2.30%up to 63 mos.$16.87$50
2.94%2.94%64-72 mos.$15.17$50
3.20%3.20%73-75 mos.$14.76$50
Auto Model Year 20102.30%2.30%up to 63 mos.$16.87$50
2.94%2.94%64-72 mos.$15.17$50
3.20%3.20%73-75 mos.$14.76$50
Auto Model Year 20092.30%2.30%up to 63 mos.$16.87$50
2.94%2.94%64-72 mos.$15.17$50
3.20%3.20%73-75 mos.$14.76$50
Auto Model Year 20082.60%2.60%up to 63 mos.$17.00$50
3.35%3.35%64-69 mos.$15.96$50
Auto Model Year 20072.60%2.60%up to 63 mos.$17.00$50
3.35%3.35%64-69 mos.$15.96$50
Auto Model Year 2006 & older3.70%3.70%up to 48 mos.$22.45$50

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Motorcycle, Boat & RV Loans - Rates Starting At…


Loan TypeInterest RateAPR*TermMonthly Payment per $1,000Fees**
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV
(Model year 2006 and newer)
4.74%4.74%up to 36 mos.$29.86$50
4.74%4.74%37-48 mos.$22.91$50
4.74%4.74%49-60 mos.$18.75$50
4.74%4.74%61-72 mos.$15.99$50
RV & Boats
(Model Year 2006 and newer)
4.74%4.74%up to 36 mos.$29.86$50
RV & Boats
(Model Year 2006 and newer)
4.74%4.74%37-48 mos.$22.91$50
RV & Boats
(Model Year 2006 and newer)
4.74%4.74%49-60 mos.$18.75$50
RV & Boats
(Model Year 2006 and newer)
4.74%4.74%61-72 mos.$15.99$50
RV & Boats
(Model Year 2006 and newer)
4.74%4.74%73-84 mos.$14.01$50
RV & Boats
(Model Year 2006 and newer)
5.00%5.00%85-96 mos.$12.66$50
RV & Boats
(Model Year 2006 and newer)
5.00%5.00%97-120 mos.$10.61$50

Title, UCC & VSI fees will be charged 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, 76 -84 month term Auto which is based on the $25,000 minimum loan amount and 61-72 month motorcycle, snowmobile, personal watercraft, scooter and ATV loans where APR is based on $12,000 minimum loan amount. APR and term are 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.

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


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Home Equity Lines of Credit*


Loan TypeInterest Rate**APR**TermCLTV***Fees****
Home Equity Line of Credit: Starting at $10,000prime minus .25prime minus .25180 mos.up to 85%$50/year

*For 1-4 family owner occupied primary residences only. $10,000 Minimum advance at closing. If a line of credit agreement is paid in full and closed within 3 years of activation, a prepayment fee of $400 applies. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee.

**SMB Prime is based on the Wall Street Journal prime rate and may change without notice. 16% Cap, 3% Floor. During the first 12 billing cycles, the rate is fixed at 2.49%.

***Up to 85% CLTV for credit scores of 730 and above and St. Mary's Bank holds the 1st mortgage; up to 80% CLTV when St. Mary's Bank does not hold the 1st mortgage. Up to 75% CLTV for lines greater than $500,000

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


Home Equity Loans*


Loan TypeInterest RateAPR**TermCLTV***Monthly Payment per $1,000
Home Equity Loan: Starting at $10,0003.99%3.99%up to 60 mos.up to 85%$18.41
4.99%4.99%61-120 mos.up to 85%$10.60
5.99%5.99%121-180 mos.up to 85%$8.43

*For 1-4 family owner occupied primary residences only. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $350 applies. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee.

**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.

***Up to 85% CLTV for credit scores of 730 and above and St. Mary's Bank holds the 1st mortgage; up to 80% CLTV when St. Mary's Bank does not hold the 1st mortgage. Up to 75% CLTV for loans greater than $500,000


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Equity Loan Mortgage Alternative*


Loan TypeInterest RateAPR**TermLTV***Monthly Payment per $1,000
Equity Loan Mortgage Alternative: $50,000-$417,0003.74%3.74%up to 120 mos.up to 85%$10.00
4.49%4.49%121-180 mos.up to 85%$7.65

*For 1 to 4 family owner occupied primary residence NH properties only. 1st Mortgage position required. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $750 applies. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee.

**Annual Percentage Rate based on $50,000 minimum loan amount financed for maximum term and reflects 0.50% discount with automatic funds transfer from a St. Mary’s Bank Beyond Checking account.

***Up to 85% LTV for credit scores of 730; up to 80% LTV for credit scores 729 and below


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The following fees are waived*


Loan TypeFee
Equity Loan/Line AppraisalSingle 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)*

*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.


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Home Improvement Loans* - Rates Starting At...


Loan TypeInterest RateAPRTermLTVMonthly Payment per $1,000
Home Improvement Loan
up to $25,000
7.74%7.74%up to 60 mos.n/a$20.16
7.99%7.99%61 to 84 mos.n/a$15.49
Green Rate Home Improvement Loan****
up to $25,000
5.99%5.99%***up to 84 mos.n/a$14.61

*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 reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

****For energy saving home improvement projects


Personal Unsecured Loans - Rates Starting At...


Loan TypeInterest RateAPR*TermMonthly Payment per $1,000Fees**
Personal Unsecured
up to $15,000
8.74%8.74%up to 60 mos.$20.64$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 applicant's 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.


Overdraft Protection


Loan TypeInterest RateAPRFees
Overdraft Protection18.00%18.00%$25 per Year

Credit Builder Loans


Loan TypeInterest RateAPRTermMonthly Payment per $500.00Fees
Credit Builder7.74%7.74%*up to 24 mos.$22.56none
Credit Builder Plus7.74%7.74%**up to 48 mos.$12.15none

*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 $500.00 Based on maximum term. Available to applicants who have been a member in good standing for at least 6 months

**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 $5,000.00 Based on maximum term.



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Membership is open to anyone with the purchase of one share of capital stock for $5.