Consumer Loans Rates

Rates and fees are subject to change without notice.

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

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...

*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...

*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

*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

*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

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...

*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

Home Equity Loans*

*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*

*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*

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.

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