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It's renovation season.

Whatever you have in mind, St. Mary's Bank has the right financing option - check rates ›

HOME EQUITY LINE OF CREDIT
Get the benefit of a convenient, flexible financing source.
  • No closing costs
  • Borrow what you need, when you need it
  • Only pay on what you use

HOME IMPROVEMENT LOAN
Borrow without tapping into your home's equity.
  • Fixed rate
  • Borrow up to $25,000
  • No appraisal required

GREEN RATE LOAN
Designed specifically for energy-saving projects.  

Apply Today

Call, click, or visit a branch to get started.

 
*Annual Percentage Rate (APR) accurate as of 4/4/18. Rates and terms may change at any time and vary by loan amount. APR valid for first 6 monthly billing cycles, then rate changes to Prime -.25%, variable monthly for remaining life of the line (Prime Rate as published in The Wall Street Journal preceding the start of each monthly billing period; current prime rate is 4.75%). Min. APR 3%. Max. APR 16%. $10,000 min. line amount, $10,000 min. draw required at closing. $50 annual fee waived with automatic payment from a St. Mary’s checking account. If a line of credit agreement is paid in full and closed within 3 years of activation, you may be required to reimburse St. Mary’s Bank for any closing costs paid on your behalf, estimated to range between $500 - $1,100. 1-4 family owner-occupied primary residences only. Combined Loan-to-Value (CLTV) up to 85% for 1-4 family homes and up to 80% CLTV for Condos for credit scores of 730 and above and St. Mary’s Bank holds the 1st mortgage; up to 80% CLTV for 1-4 family homes and up to 75% CLTV for Condos when St. Mary’s Bank does not hold the 1st mortgage. Up to 75% CLTV for 1-4 family homes and up to 70% CLTV for Condos for lines greater than $500,000. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Applications subject to credit approval. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $75 discharge tracking fee.

St. Mary’s Bank is a member-owned credit union. Membership open with purchase of one share of capital stock for $5. Federally insured by the NCUA.