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.
.jpg?sfvrsn=d834a5ce_1)
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.
Enjoy competitive rates, an easy online application, and personalized service.
Earn unlimited points on select categories with our Visa® Platinum Rewards credit card.
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.
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.
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.
*GET500: Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 8/17/26. 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.
Example savings: Beyond Savings requires a minimum of $10 to open and all balances earn 0.05% APY, High Yield Savings requires a minimum of $10 to open and earns 3.65% APY on balances of $0.01-$100,000.00; 3.65%-0.05% APY on balances of $100,000.01 and over.
$300 Qualifications
Annual Percentage Yield (APY) accurate as of 8/17/26. 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
Qualifying Direct Deposit: A direct deposit is income that is automatically deposited into a member’s St. Mary’s Bank checking account by an employer, government agency, or other qualifying organization. This can include your paycheck, pension, Social Security, or other eligible benefits. Transfers between your St. Mary’s Bank accounts, and payments received through peer-to-peer or money app services are not considered direct deposits.
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.
Balances of $0.01 - $100,000.00 earn 3.65% APYBalances of $100,000.01 and over earn 3.65%-0.05% APY
Qualification requirements to open account and earn stated APY: open a St. Mary’s Bank High Yield Savings account with a minimum of $10. Maintain an existing or open a St. Mary’s Bank checking account (minimum $10 to open) and add qualifying recurring direct deposit totaling at least $1,500 during each monthly statement cycle. After opening a High Yield Savings account, you will have up to two statement cycles to establish a St. Mary’s Bank checking account and establish recurring monthly direct deposits to continue earning the stated savings rate. Thereafter, if qualification requirements are not met in any statement cycle, your account balance will automatically earn the base savings rate of 0.05% APY until requirements are met.
Limit one High Yield Savings Account per member.
Qualifying Direct Deposit: A direct deposit is income that is automatically deposited into a member’s St. Mary’s Bank checking account by an employer, government agency, or other qualifying organization. This can include your paycheck, pension, Social Security, or other eligible benefits. Transfers between your St. Mary’s Bank accounts, and payments received through peer-to-peer or money app services are not considered direct deposits.
Comparison based the FDIC’s “National Rate: Savings” series (which includes both banks and credit unions) shows a national average savings rate of 0.38% as of July 2026. Rates are variable and subject to change.
1. Premier Money Market: Annual Percentage Yield (APY) accurate as of 8/17/26. Deposit rates are variable and subject to change at any time. Fees may reduce earnings.
Premier Money Market Promotion APY tiers are $2,500–$9,999.99 earns 0.00%; $10,000–$24,999.99 earns 0.00% APY; $25,000–$49,999.99 earns 3.00% APY; $50,000–$99,999.99 earns 3.00% APY; $100,000–$249,999.99 earns 3.00% APY; $250,000–$499,999.99 earns 3.00% APY; $500,000–$999,999.99 earns 3.00% APY; $1,000,000+ earns 3.00% APY. $10 minimum to open; $25,000 minimum daily balance to earn stated 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.
