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CDs and IRAs 1,8,13
Open Now| Product | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|
| Advantage CD Promo 6 Month |
3.922% |
4.00% |
$500 |
| 6-Month IRA | 3.681% | 3.75% | $500 |
| 12 Month Promo CD/IRA |
3.440% |
3.50% |
$500 |
| 24 Month Flex CD Promo 14 | 2.713% | 2.75% | $500 |
| 30 Month Flex CD Promo 14 | 2.713% | 2.75% | $500 |
| 6 Month CD | 0.60% | 0.60% | $500 |
| 9 Month CD/IRA | 0.60% | 0.60% | $500 |
| 12 Month CD/IRA | 0.75% | 0.75% | $500 |
| 15 Month CD/IRA | 0.75% | 0.75% | $500 |
| 18 Month CD/IRA | 0.75% | 0.75% | $500 |
| 24 Month CD/IRA | 1.242% | 1.25% | $500 |
| 30 Month CD/IRA | 1.242% | 1.25% | $500 |
|
36 Month CD/IRA |
1.489% | 1.50% | $500 |
| 48 Month CD/IRA | 1.980% | 2.00% | $500 |
| 60 Month CD/IRA | 2.225% | 2.25% | $500 |
|
6 - 11 Month CD/IRA |
0.60% | 0.60% | $500 |
|
12 - 23 Month CD/IRA |
0.75% | 0.75% | $500 |
|
24 - 35 Month CD/IRA |
1.242% | 1.25% | $500 |
|
36 - 47 Month CD/IRA |
1.498% | 1.50% | $500 |
|
48 - 59 Month CD/IRA Grandfathered Account - no longer available |
1.98% | 2.00% | $500 |
Money Market Accounts 1,2
Open Now| Product | Balance Tier | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance 1 |
|---|---|---|---|---|
| Premier Money Market 6, 13 | $2,500 - $9,999.99 | 0.40% | 0.40% | $2,500 |
| $10,000 - $24,999.99 | 0.45% | 0.45% | $2,500 | |
| $25,000 - $49,999.99 | 0.45% | 0.45% | $2,500 | |
| $50,000 - $99,999.99 | 0.60% | 0.60% | $2,500 | |
| $100,000 - $249,999.99 | 0.70% | 0.70% | $2,500 | |
| $250,000 - $499,999.99 | 0.75% | 0.75% | $2,500 | |
| $500,000 - $999,999.99 | 0.80% | 0.80% | $2,500 | |
| $1,000,000 + | 0.85% | 0.85% | $2,500 |
Club Account Rates 1,5,9
Visit a Branch| Product | Term | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|---|
| 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 |
Savings Accounts 1,2
Open Now| Product | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|---|
| Rainy Day Savings 13,18,19 | $0.01 - $500.99 | 6.766% | 7.00% | $25 |
| $501 - $1,000.99 | 4.879% | 5.00% - 7.00% | $25 | |
| $1,001 + | 0.05% | 0.05% - 7.00% | $25 | |
| Beyond Savings Statement 13 | $0.01 - $2,499.99 | 0.05% | 0.05% | $10 |
| $2,500 - $4,999.99 | 0.05% | 0.05% | $10 | |
| $5,000 - $9,999.99 | 0.05% | 0.05% | $10 | |
| $10,000+ | 0.05% | 0.05% | $10 | |
| Super Saver Statement | $0.01 - $2,499.99 | 0.05% | 0.05% | $10 |
| $2,500 - $4,999.99 | 0.05% | 0.05% | $10 | |
| $5,000 - $9,999.99 | 0.05% | 0.05% | $10 | |
| $10,000+ | 0.05% | 0.05% | $10 | |
| Beyond Rewards Savings 4 | $0.01 - $4,999.99 | 0.05% | 0.05% | $10 |
| $5,000 + | 0.05% | 0.05% | $10 | |
| IRA Savings | $10 | 0.10% | 0.10% | $10 |
|
Beyond Savings Passbook 13, 20 Grandfathered Account - no longer available |
$0.01 and up | 0.05% | 0.05% | n/a |
|
Super Saver Savings Passbook 20 Grandfathered Account - no longer available |
$0.01 | 0.05% | 0.05% | n/a |
| Health Savings Account (HSA) | $1,000 | 0.10% | 0.10% | $50 |
Checking Accounts 1,2
Open Now| Product | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|---|
| 603 Checking | n/a | n/a | n/a | $10 |
| Beyond Checking | n/a | n/a | n/a | $10 |
| Beyond Interest Checking13 | $1,000 | 0.01% | 0.01% | $10 |
| Beyond Rewards Checking3,13 | $20,000 | 0.05% | 0.05% | $10 |
| Student Checking | n/a | n/a | n/a | $10 |
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Important Disclosures, Assumptions, and APY information
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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 IRAs are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal. $500 minimum balance to open and earn stated APY.
(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.
(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.
(18) Minimum $25.00 monthly automatic transfer from a St. Mary's Bank checking or from Direct Deposit required. One free withdrawal per month and $2.00 for each withdrawal thereafter. Limit one Rainy Day Savings per member.
(19) An interest rate of 6.766% will be paid only for that portion of your daily balance that is greater than $0.01. The annual percentage yield for this tier will be 7.00%. An interest rate of 4.879% will be paid only for that portion of your daily balance that is greater than $500.99. The annual percentage yield for this tier will range from 5.00% to 7.00%, depending on the balance in the account. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $1,000.99. The annual percentage yield for this tier will range from 0.05% to 7.00%, depending on the balance in the account.
(20) Passbook accounts are maintained for accounts opened prior to 1/12/24.
(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 IRAs are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal. $500 minimum balance to open and earn stated APY.
(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.
(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.
(18) Minimum $25.00 monthly automatic transfer from a St. Mary's Bank checking or from Direct Deposit required. One free withdrawal per month and $2.00 for each withdrawal thereafter. Limit one Rainy Day Savings per member.
(19) An interest rate of 6.766% will be paid only for that portion of your daily balance that is greater than $0.01. The annual percentage yield for this tier will be 7.00%. An interest rate of 4.879% will be paid only for that portion of your daily balance that is greater than $500.99. The annual percentage yield for this tier will range from 5.00% to 7.00%, depending on the balance in the account. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $1,000.99. The annual percentage yield for this tier will range from 0.05% to 7.00%, depending on the balance in the account.
(20) Passbook accounts are maintained for accounts opened prior to 1/12/24.
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*GRAD CD: CD must be opened using promo code GRAD26. Annual Percentage Yield (APY) accurate as of 5/1/2026. Offer available on any current Certificate of Deposit (CD) when opened as a joint account between the member opening the CD and the individual designated to receive the funds (joint owner). A $500 minimum deposit is required to open a CD and earn the stated APY. Both account holders must be age 18 and older.
Penalties may apply for early withdrawal. Fees may reduce earnings. Accounts are federally insured by the NCUA. Offer, rates and terms are subject to change.
To receive funds at maturity, the joint CD holder must open a St. Mary’s Bank checking account prior to maturity. A $10 minimum deposit is required to open a checking account. If no action is taken and the joint CD holder does not open a checking account to receive the funds, the CD may automatically renew under the terms available at maturity.
By opening a joint account, both parties agree to St. Mary’s Bank membership. St. Mary’s Bank is a member-owned credit union. Membership is established with the purchase of one $5 share of capital stock.