Explore Your Exclusive Member Perks

Access free tools, top-rated digital services, and personal support when you need it. Check out all the benefits that come with your membership. 

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Tools to Put #YouFirst

As a St. Mary’s Bank member, you already enjoy competitive rates and low fees. But your membership includes even more - tools to get paid faster, save on loans, and plan your financial future. 

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Get Paid Up to 2 Days Early*

Access your paycheck before payday with direct deposit to your checking account.
Loan and Deposit rates

Save on Loan Rates**

Get discounted rates on select loans when you set up automatic payments from your St. Mary's Bank checking account.
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Personalized Plans

Create a personalized plan to pay off debt, start investing, and prepare for retirement with Penny Finance - 100% free for members.

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Stay on Top of Your Score

Check your credit score, view your full report, and access tools to maintain or change your number.

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Take Penny's Free Money Maker Quiz

Curious how long until you're debt-free? Want to see your projected retirement balance? Take this short quiz and get a personalized snapshot of your financial health.
Take the Quiz

St. Mary's Bank Charitable Foundation Scholarships

We offer St. Mary’s Bank Scholarships to help our members achieve their dreams of higher education.
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Exclusive Member Discounts

Visa Offers

Exclusive savings at your favorite brands with your St. Mary's Bank Visa debit or credit card.

H&R Block

Get the best-in-market offer with savings of up to $25 on in-office tax prep services.

Palace Theatre

Save $5 on St. Mary's Bank Performing Arts Series shows at the Palace Theatre with the code “STMARYS5”.

TurboTax

Save up to 20% on TurboTax federal products when you file online. 
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Plan Your Next Move

Use our free calculators to see the numbers before you commit - whether you're buying a car, planning a home purchase, or setting a savings goal.
Explore Calculators

Common Member Questions

How does Get Paid Early work?
Set up direct deposit to your checking account. When we receive notice your funds are ready, we may post them up to two days early. 
How do I get a loan rate discount?
Set up automatic payments from your St. Mary's Bank checking account. Ask about the discount when you apply or contact us to add it to an existing loan.
What is Penny Finance?
Penny Finance is a free online financial planning tool for members. Build a personalized plan, take short courses, and join monthly masterclasses. Use access code “stmarys25” to activate.
How do I access my free credit score?
Log in to online banking and look for Credit Dashboard. You'll find your credit score, full credit report, monitoring alerts, and tips to help improve your score.
Am I eligible for the member scholarship program?
Members pursuing vocational or technical careers may apply. Awards can be used for tuition and related expenses. Visit our scholarships page for details.
Can I earn rewards for referring friends and family?
Yes! You'll both get up to $250 when they open a checking account with qualifying actions. See our referral offers page for details.
*Early Pay.  If we receive notice from an employer or government agency that your funds are ready, we may post your direct deposit earlier than your “official” scheduled payment day. Subject to originator payroll/funds process and timing. St. Mary’s Bank will not assume liability for not depositing funds to your account early. 

**Loan Rate Discount.  Available on select loans with automatic payments from a St. Mary’s Bank checking account.