Rates

Consumer Loans Rates

Rate information is current as of: June 11, 2009

Rates and fees are subject to change without notice.

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


Loan TypeInterest RateAPR*TermMonthly Payment per $1,000Fees**
New Autos
(Model year 2008 & 2009)		4.64%4.64%up to 63 mo.$17.92$50
5.00%5.00%64-69 mos.$16.71$50
5.65%5.65%70-75 mos.$15.86$50
7.05%7.05%76-84 mos.$15.12$50
Used Autos
(Model year 2008 & 2009)		4.95%4.95%up to 63 mo.$18.06$50
5.25%5.25%64-69 mos.$16.82$50
5.75%5.75%70-75 mos.$15.91$50
7.10%7.10%76-84 mos.$15.15$50
Used Autos
(Model year 2007)		4.95%4.95%up to 60 mo.$18.85$50
5.45%5.45%61-66 mos.$17.56$50
5.85%5.85%67-72 mos.$16.51$50
6.35%6.35%73-75 mos.$16.19$50
Used Autos
(Model year 2006)		5.40%5.40%up to 60 mo.$19.06$50
5.90%5.90%61-66 mos.$17.78$50
6.50%6.50%67-72 mos.$16.82$50
Used Auto
(Model year 2005)		5.50%5.50%up to 60 mo.$19.10$50
6.00%6.00%61-66 mos.$17.83$50
Used Auto
(Model year 2004)		6.65%6.65%up to 48 mo.$23.49$50
6.75%6.75%49-60 mos.$19.69$50
Used Auto
(Model year 2003)		7.25%7.25%up to 48 mo.$24.02$50
7.75%7.75%49-54 mos.$22.00$50
Used Auto
(Model year 2002 & older)		8.50%8.50%up to 48 mo.$24.65$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 TypeInterest RateAPR*TermMonthly Payment per $1,000Fees**
Personal Unsecured13.49%13.49%up to 24 mo.$47.78$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 $2,500. 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 TypeInterest RateAPR*TermMonthly Payment per $1,000Fees
Bill Consolidation (Unsecured)13.74%13.74%up to 24 mo.$48.82none

*Annual Percentage Rate (APR) based on loan amount of $2,500. 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 TypeInterest RateAPRTermFees
MyPay Line of Credit18.00%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 TypeInterest RateAPR*TermLTVMonthly Payment per $1,000
Home Improvement Loan: $5,000 maximum10.75%10.75%up to 48 mo.n/a$32.14

*Annual Percentage Rate (APR) reflects 0.25% discount for automatic frunds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $5,000, 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.

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

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

Home Equity Loans*


Loan TypeInterest RateAPR**TermLTVMonthly Payment per $1,000
Home Equity Loan: $10,000-$250,0006.24%6.24%up to 60 mo.up to 80%$19.45
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.

**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 TypeInterest Rate**APRTermLTVFees****
Home Equity Line of Credit: $10,000 - $250,000prime+0prime+0180 mo.up to 80%$50/year
Home Equity Line of Credit: $25,000 - $250,000***prime minus .51prime minus .51180 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.

**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. If a line of credit agreement is paid in full and closed within 2 years of activation, a prepayment fee of $250 applies.

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


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)*

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.