Rates

Consumer Loans Rates

Rate information is current as of: September 3, 2010

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**
Auto Model Year 20113.74%3.74%up to 63 mo.$17.51$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 20103.74%3.74%up to 63 mo.$17.51$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 20093.20%3.20%up to 60 mo.$18.06$50
3.75%3.75%61-66 mos.$16.79$50
4.25%4.25%67-72 mos.$15.76$50
4.45%4.45%73-75 mos.$15.30$50
Auto Model Year 20083.24%3.24%up to 60 mo.$18.08$50
3.54%3.54%61-66 mos.$16.70$50
4.09%4.09%67-72 mos.$15.69$50
Auto Model Year 20073.29%3.29%up to 60 mo.$18.10$50
3.75%3.75%61-66 mos.$16.79$50
Auto Model Year 20063.55%3.55%up to 48 mo.$22.38$50
3.70%3.70%49-60 mos.$18.28$50
Auto Model Year 20055.50%5.50%up to 42 mo.$26.23$50
5.75%5.75%43-48 mos.$23.37$50
Auto Model Year 2004 & older6.25%6.25%up to 36 mo.$30.54$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 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 TypeInterest RateAPR*TermMonthly Payment per $1,000Fees
Bill Consolidation (Unsecured)13.74%13.74%up to 48 mo.$27.18none

*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.


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.

**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.

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


Roth IRA Conversion Loan


Loan TypeInterest RateAPR*TermMonthly payment per $1,000Fees*
Roth IRA Conversion Loan6.99%6.99%up to 36 mos$30.88$50

*Annual Percentage Rate (APR) reflects 1% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account, 1% discount if converted Roth IRA is held with St. Mary's Bank, and along with discounts $50 application fee is waived. APR based on loan amount of $10,000.00 Based on maximum 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 RateAPRTermLTVMonthly 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 TypeInterest RateAPR**TermLTVMonthly Payment per $1,000
Home Equity Loan: $10,000-$250,0005.99%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. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $350 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 TypeInterest RateAPRTermLTVFees****
Home Equity Line of Credit: $10,000 - $250,000**prime+0prime+0180 mo.up to 80%$50/year
Home Equity Line of Credit: $25,000 - $250,000***prime minus .25prime minus .25180 mo.up to 80%$50/year

*For 1-4 family owner occupied primary residences only. If a line of credit agreement is paid in full and closed within 3 years of activation, a prepayment fee of $350 applies.

**SMB Prime is based on the Wall Street Journal prime rate and may change without notice. 16% Cap, 4% Floor. 80% CLTV.

***$10,000 Minimum advance at closing. SMB Prime is based on the Wall Street Journal prime rate and may change without notice. 16% Cap, 3.25% Floor. 80% CLTV

**** 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.