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Consumer Deposit Rates

Rate information is current as of May 19, 2017

Rates are subject to change without notice. Please read the Information Concerning Your Accounts brochure for complete account details.

Checking Accounts 1, 2

Product Minimum Balance Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
Beyond Checking
N/A N/A N/A $10
Beyond Interest Checking 13
$1,000 0.05% 0.05% $10
Beyond Rewards Checking 3,13
$20,000 0.10% 0.10% $10
Student Checking
N/A N/A N/A $10
HSA Checking (Health Savings) 13
$1,000 0.25% 0.25% $50

Savings Accounts 1, 2

Product Minimum Balance Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
Beyond Savings 13
$0.01 - $2,499 0.05% 0.05% $10
$2,500 - $4,999 0.05% 0.05% $10
$5,000 - $9,999 0.05% 0.05% $10
$10,000+ 0.05% 0.05% $10
Super Saver Kids Club Account
$0.01 - $2,499 0.05% 0.05% $10
$2,500 - $4,999 0.05% 0.05% $10
$5,000 - $9,999 0.05% 0.05% $10
$10,000+ 0.05% 0.05% $10
Beyond Rewards Savings 4
$0.01 - $4,999 0.10% 0.10% $10
$5,000+ 0.15% 0.15% $10
IRA Savings
$10 0.20% 0.20% $10

Club Accounts 1, 5, 9

Product Term Interest Rate Annual Percentage Yield (APY) Minimum Opening Amount
Christmas Club
50 weeks 0.15% 0.15% $10
Winter Club
50 weeks 0.15% 0.15% $10
Summer Club
50 weeks 0.15% 0.15% $10
Back to School Club
50 weeks 0.15% 0.15% $10

Money Market Accounts 1, 2

Product Balance Tier Interest Rate Annual Percentage Yield (APY) Minimum Balance10
Beyond Money Market 6, 13
$2,500 - $24,999 0.15% 0.15% $2,500
$25,000 - $49,999 0.20% 0.20% $2,500
$50,000 - $74,999 0.25% 0.25% $2,500
$75,000+ 0.30% 0.30% $2,500
Beyond Rewards Money Market 7, 13
$10,000 - $24,999 0.20% 0.20% $10,000
$25,000 - $49,999 0.30% 0.30% $10,000
$50,000 - $74,999 0.35% 0.35% $10,000
$75,000+ 0.45% 0.45% $10,000

CDs and IRAs 1, 8, 13

Product Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
7 Month CD Promo 11, 12
0.50% 0.50% $500
18 Month CD Promo 11
1.14% 1.15% $500
30 Month Flex CD Promo 14
1.34% 1.35% $500
36 Month Flex CD Promo 14
1.44% 1.45% $500
6 - 11 Month CD/IRA
0.25% 0.25% $500
12 - 23 Month CD/IRA
0.40% 0.40% $500
24 - 35 Month CD/IRA
0.75% 0.75% $500
36 - 47 Month CD/IRA
1.24% 1.25% $500
48 - 59 Month CD/IRA
1.49% 1.50% $500
60 Month CD/IRA
1.735% 1.75% $500

St. Mary's Bank is a member owned credit union. Membership is open to anyone with the purchase of one share of stock for $5.

  • (1) Annual Percentage Yield (APY) is accurate for all accounts listed, as of the date noted above.
  • (2) Variable rates are subject to change without notice, and after the account is opened.
  • (3) Monthly service fee waived with combined minimum daily balances in all St. Mary's deposit and loan accounts of $20,000.
  • (4) Available to Beyond Rewards Checking account holders.
  • (5) Simple interest will be credited to your account at the end of the club term. Interest rates are guaranteed from time of purchase to maturity. Premature withdrawals may reduce earnings. Subject to penalty for early withdrawal.
  • (6) Monthly service fee waived when the minimum daily balance remains above $2,500.
  • (7) Monthly service fee waived when the minimum daily balance remains above $10,000.
  • (8) Interest rates for CD's and CD IRA's are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal.
  • (9) Club account transfers are limited to a maximum of $100 per week over the 50 week period. 'Catch up' deposits are limited to the amount required to bring the club account current.
  • (10) $10 minimum opening deposit required.
  • (11) CD only – IRA ineligible for promotion.
  • (12) Limit $50,000 per household.
  • (13) Fees may reduce earnings.
  • (14) One time penalty free withdrawal up to 25% of the principal balance. One time rate upgrade during initial term. One time additional deposit during initial term not to exceed original deposit amount. CD only – IRA ineligible for promotion.