Better Banking in Concord—Earn up to $500*

* Get up to $500. Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 7/22/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings. 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.

$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.

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. Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 7/22/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings. View rates here.

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. Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 7/22/2025. Deposit rates are variable subject to change without notice. Fees may reduce earnings. View rates here.

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.

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.