Bank Better Locally—Earn up to $500*

Open new accounts with the nation’s first credit union. Bank local, enjoy flexible account options, and access top-rated online and mobile banking.
Start Earning $500

Your Local Banking Advantage

At St. Mary’s Bank, you don’t just get smart digital tools, competitive rates and low fees — you get real people who live and work in your neighborhoods. And right now, you can earn up to $500 just for opening new accounts.

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Bank Better and Earn $500

Open & Deposit: Get $300*

  1. Open a new checking account with offer code GET500.
  2. Open a savings account at the same time.
  3. Setup a recurring direct deposit to your new checking within 90 days ($1,000 minimum)*

Fund & Save: Add $200*

  1. Fund your new savings account with at least $2,000*
  2. Maintain a $2,000 minimum average daily balance for six months
  3. Add a $25 recurring monthly deposit to your savings*
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Exclusive Rate for New Funds

Premier Money Market Special

3.00% APY1 on new deposits of $25,000+

Not available for funds currently on deposit at St. Mary's Bank. See terms and conditions below.

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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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Referral Bonus!

Refer St. Mary’s Bank to friends and family, and you’ll both get up to $250 when they open a new checking account with qualifying actions.
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More Ways to Boost Your Savings

Smart Digital Banking

St. Mary's Bank Five-star mobile app login

Bank with a five-star 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.

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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.

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Checking account benefits that put you first

Get Paid Early2
Access your eligible direct deposit paycheck up to 2 days before your scheduled payday.

Loan Discount3
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.

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Why Your Neighbors Bank with St. Mary’s Bank

Banking with St. Mary’s Bank means more than great rates and rewards. It’s about local service, real people, community and a credit union that’s been putting members first since 1908. Join today and see the difference for yourself.

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*Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 7/22/25. Rates are variable and subject to change at any time. Fees may reduce earnings.

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+.

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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 after all qualifying activities are completed.

$300 Qualifications
Annual Percentage Yield (APY) accurate as of 7/22/25. Deposit rates are variable and subject to change. 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 this offer. 

Open with offer code GET500

  1. Open both a new personal checking account and a personal savings account (excludes CDs and IRAs) at the same time.
  2. 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.
  3. Bonus will be deposited to the savings account after qualifying actions are completed.

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.

$200 Qualifications

  1. Open a new savings account (excludes CDs and IRAs)
  2. Have an active or open a new St. Mary’s Bank checking account
  3. Fund the new savings account with at least $2,000 in new money (funds not currently on deposit with St. Mary’s Bank) within 30 days of account opening.
  4. Establish a monthly recurring deposit of at least $25 within 30 days of account opening and maintain for six consecutive months.
  5. Maintain at least a $2,000 minimum average daily balance for six consecutive months.

1. Premier Money Market:  Annual Percentage Yield (APY) accurate as of 7/22/25. 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.

2. 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. 

3. 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.