* Get up to $500. Offers subject to change without notice. Annual Percentage Yield (APY) accurate as of 12/12/2025. 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 12/12/25. 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-$500.99, 5.00% - 7.00% APY for $501-$1000.99, 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.

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.