* Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 6/23/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings. View rates here.

Rainy Day Savings: $25 minimum monthly automatic transfer from a St. Mary’s Bank checking or ACH direct deposit required. $25 minimum balance to open. One free withdrawal per month, $2 fee for each withdrawal thereafter. Limit one Rainy Day Savings account per member. Rainy Day Savings earn 7.00% APY for $0.01-$500, 5.00% - 7.00% APY for $501-$1000, and 0.05% - 7.00% for $1,001+.

Beyond Savings and Beyond Rewards Savings accounts: Minimum of $10 is required to open and earns 0.05% APY for all tiers.

Checking accounts: A minimum deposit of $10 is required to open a checking account. 

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. 2.25% APY Checking Offer. Annual Percentage Yield (APY) accurate as of 6/23/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings.

Offers apply to funds not currently on deposit at St. Mary’s Bank (“new money” only). Offer available to individuals opening their first St. Mary’s Bank checking account. You are not eligible if you have been a primary or joint holder of a St. Mary’s Bank checking account within the past 90 days. This offer is valid exclusively at the Portsmouth (Pease), North Hampton, and Concord, New Hampshire branch locations.

Promotional rate of 2.25% APY is guaranteed through 12/31/2025 on new money deposited into a Beyond Interest or Beyond Rewards Checking account. Rate is subject to change after promotional period. 

Account Details: Beyond Interest Checking requires a $1,000 minimum daily balance to avoid monthly fee. Earns 0.01% APY before promotional adjustment. Beyond Rewards Checking requires a combined minimum daily balance of $20,000 across all St. Mary’s Bank deposit and loan accounts to avoid monthly service fee. Earns 0.05% APY before promotional adjustment.

2. +0.25% (25 BPS) Rate Bump Offer. Annual Percentage Yield (APY) accurate as of 6/23/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings.

Offers apply to funds not currently on deposit at St. Mary’s Bank (“new money” only). This offer is valid exclusively at the Portsmouth (Pease), North Hampton, and Concord, New Hampshire branch locations.

One 0.25% APY rate bump available on one of the following accounts:

Premier Money Market Promotion. Current APY Tiers (before rate bump) are $2,500–$9,999 earns 0.00% APY; $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. Rates subject to change at any time without notice. Rate bump is guaranteed through 12/31/2025, subject to change thereafter. $10 minimum to open; $25,000 minimum to earn interest.

9-Month CD earns 4.00% APY (before rate bump); 24-Month Flex CD earns 3.50% APY (before rate bump); 30-Month Flex CD earns 3.50% APY (before rate bump). Rates subject to change at any time without notice. Rate bump valid for the selected term; ends at maturity. $500 minimum opening deposit. $25,000 maximum per member across all CDs. Early withdrawal penalties apply.

3. Get $300 Bonus Offer. Annual Percentage Yield (APY) accurate as of 6/23/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings.

This offer is 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 bonus. 

• Open both a personal checking account and a personal savings account at the same time.
• Open Checking with offer code GET300
• Add a recurring direct deposit (at least two) totaling $1,000 or more posted to your CHECKING account within 90 days of account opening

All deposit accounts must be in good standing (not in default, closed or suspended) when the bonus is paid. Limit one bonus per primary member regardless of the number of checking accounts opened.

Bonus payout may take up to 30 days to post in savings account after all qualifying activities are completed. Direct deposit must be established 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.

4. $200 Bonus Offer. Annual Percentage Yield (APY) accurate as of 6/23/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings.

Offer valid for new savings account holders only. Limit one $200 bonus per primary member.

• Open a new savings account (excludes CDs and IRAs) using offer code Save200.
• Fund the account with at least $2,000 in 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 $2,000 during the full six-month period.
• Have an active or open a new St. Mary’s Bank checking account
  
• The $200 bonus will be deposited to your new savings account within 30 days once all requirements are fulfilled and all deposit accounts are in good standing.

5. 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. 

6. 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.