Explore Account Offers that Put You First!
Bank with a trusted, local partner committed to your goals. Enjoy top-rated digital banking, flexible account options, and exclusive member offers—designed to help you bank your way.
You’re not just opening an account. You’re choosing a partner who puts you first.
Tired of feeling like just a number? At St. Mary’s Bank, you’ll find more than competitive rates and smart digital tools—you’ll find real people who know your name and care about your goals. This is banking built around you.
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High Yield CD
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Checking account benefits that put you first
Get Paid Early4
Access your eligible direct deposit paycheck up to 2 days before your scheduled payday.
Loan Discount5
Save on select loan rates when you set up automatic payments from your checking account.
No or Low-Fee Checking Options
Choose from accounts designed to minimize fees and maximize value.
Get a five-star rated mobile app
Secure 24/7 access and control over your accounts in one place, monitor your credit, remotely deposit checks quickly, pay bills in one place, access finance tools, alerts and more.
Access your credit dashboard
Get free and easy access to your credit score, full credit report, credit monitoring, financial tips, and more. Access My Credit Dashboard in online/mobile banking.
Financial wellness
Access our library of articles to simplify money management.
Open Your Account
For existing members, please log in to Online Banking to open.
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*Bonus Offers. Offers subject to change without notice. Offers may be combined or separate. All deposit accounts must be in good standing (not in default, closed or suspended) when the bonus is paid. Limit one $300 and/or one $200 bonus per primary member regardless of the number of checking and/or savings accounts opened.
Bonus payouts may take up to 30 days to post in savings account after all qualifying activities are completed.
Checking Accounts: A minimum deposit of $10 is required to open a checking account.
Beyond Savings accounts: A minimum of $10 is required to open. Beyond Savings earns 0.05% APY for all tiers.
Rainy Day Savings Account: A minimum deposit of $25 is required to open a Rainy Day Savings account. A minimum $25 monthly automatic transfer from a St. Mary's Bank checking or qualified direct deposit is required. One free withdrawal is available per month, and a $2.00 fee for each withdrawal afterward. One Rainy Day Savings allowed per member. Rainy Day Savings earns 7.00% APY for $0.01-$500, 5.00% - 7.00% APY for $501-$1000, and 0.05% - 7.00% APY for $1,001+.
A Direct deposit is recurring income electronically deposited into your St. Mary’s Bank checking account by an employer or other organization. It may include salary, pension, government benefits, or other eligible regular income. Certain money transfers, such as person-to-person payments and payments made with apps such as Zelle®, PayPal, or Venmo, do not qualify as direct deposits. Transfers between your accounts at St. Mary’s Bank or other banks or brokerages also do not count as direct deposits.
1. $300 Qualifications
Annual Percentage Yield (APY) accurate as of 6/30/25. Rates are variable and subject to change at any time. Fees may reduce earnings.
Offer available to individuals opening their first St. Mary’s Bank checking account. If you have been a primary or secondary (joint) holder of a St. Mary’s Bank checking account within the last 90 days, you are not eligible for the $300 bonus. Open checking account with offer code GET300
- Open both a new personal checking account and a personal savings account at the same time.
- Add a recurring direct deposit (at least two) totaling $1,000 or more posted to your CHECKING account within 90 calendar days after the account opening date.
- If the 90th day is not a business day, then these requirements need to be met by the next business day.
2. $200 Qualifications
Annual Percentage Yield (APY) accurate as of 6/30/25. Rates are variable and subject to change at any time. Fees may reduce earnings.
Open savings account with offer code SAVE200
- Open a new savings account (excludes CDs and IRAs)
- Have an active or open a new St. Mary’s Bank checking account
- Fund the savings account with at least $2,000 in new money (funds not currently on deposit with St. Mary’s Bank).
- Establish and maintain a monthly recurring deposit of $25 or more into the savings account for six consecutive months.
- Maintain an average minimum daily balance of at least $2,000 for six consecutive months.
3. Premier Money Market: Annual Percentage Yield (APY) accurate as of 6/30/25. Rates are variable and subject to change at any time. Fees may reduce earnings.
Premier Money Market Promotion APY tiers are $2,500–$9,999 earns 0.00%; $10,000–$24,999 earns 0.00% APY; $25,000–$49,999 earns 3.00% APY; $50,000–$99,999 earns 3.00% APY; $100,000–$249,999 earns 3.00% APY; $250,000–$499,999 earns 3.00% APY; $500,000–$999,999 earns 3.00% APY; $1,000,000+ earns 3.00% APY. $10 minimum to open; $25,000 minimum daily balance to earn interest. Promotional rate not available for funds currently on deposit with St. Mary's Bank. Limit one promotional rate money market per individual. Monthly service of $10 waived when minimum daily balance remains above $2,500.
4. 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.
5. Loan Rate Discount. Available on select loans with automatic payments from a St. Mary’s Bank checking account.
St. Mary’s Bank is a member-owned credit union. Membership opened to anyone with the purchase of one share of capital stock for $5.