skip to main content


Flexible maturity dates and guaranteed returns!
By letting you choose your own maturity date, from 6 months to 5 years, St. Mary's Bank CDs and IRAs are a smart way to earn on investments without restricting your financial plan. 

View Rates and Terms

Create a CD Ladder Investment Strategy for maximum return and convenient access to your funds.
  • Open multiple certificates each with a different maturity month or year so that you have money maturing on a regular basis, providing penalty-free access.
  • Choose terms at intervals that work for you – every year or more frequently if you think you might need access to your funds sooner.
  • There is no limit to the number of CDs in your “ladder.” With a minimum deposit of $500, you choose the amount and maturity date of each certificate. 
IRA: A great choice at any stage
An IRA is an easy and inexpensive investment option.  You can grow your savings quickly, with minimal risk. 
  • You can open an IRA with as little as $500. We can even help you convert a 401(k) to an IRA 
  • Your investment’s earnings compound tax-deferred, and in some cases, contributions are tax deductible.* 
  • You choose how to invest the money, based on your time horizon for retirement.  We offer CDs, as well as investments with higher growth potential.

Open a CD today

Call, click, or visit a branch to get started.


Open an IRA today

To open an IRA, or to learn more on how to maximize your investments, please call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.

*please consult your tax advisor.