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Auto Loans - Rates Starting At…

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Auto Model Year 2015 to 2017
2.74% 2.74% up to 63 mos. $17.06 $50
3.40% 3.40% 64-72 mos. $15.38 $50
3.50% 3.50% 73-75 mos.3 $14.87 $50
4.90% 4.90% 76-84 mos.3 $14.09 $50
Auto Model Year 2014
2.80% 2.80% up to 63 mos. $17.09 $50
3.44% 3.44% 64-72 mos. $15.40 $50
3.70% 3.70% 73-75 mos.3 $14.96 $50
5.15% 5.15% 76-84 mos.3 $14.21 $50
Auto Model Year 2013
2.80% 2.80% up to 63 mos. $17.09 $50
3.44% 3.44% 64-72 mos. $15.40 $50
3.70% 3.70% 73-75 mos.3 $14.96 $50
5.15% 5.15% 76-84 mos.3 $14.21 $50
Auto Model Year 2012
2.80% 2.80% up to 63 mos. $17.09 $50
3.44% 3.44% 64-72 mos. $15.40 $50
3.70% 3.70% 73-75 mos.3 $14.96 $50
Auto Model Year 2011
3.10% 3.10% up to 63 mos. $17.22 $50
3.85% 3.85% 64-69 mos. $16.18 $50
Auto Model Year 2010
3.10% 3.10% up to 63 mos. $17.22 $50
3.85% 3.85% 64-69 mos. $16.18 $50
Auto Model Year 2009 & older
4.20% 4.20% up to 60 mos. $18.51 $50
 

Motorcycle, Boat & RV Loans - Rates Starting At…

Loan Type Interest Rate APR4 Term Monthly Payment per $1,000 for max term Fees2
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV (Model year 2006 and newer)
4.74% 4.74% up to 36 mos. $29.86 $50
4.74% 4.74% 37-48 mos. $22.91 $50
4.74% 4.74% 49-60 mos. $18.75 $50
4.74% 4.74% 61-72 mos. $15.99 $50
RV & Boats (Model Year 2006 and newer) up to $100,000
4.74% 4.74% up to 36 mos. $29.86 $50
4.74% 4.74% 37-48 mos. $22.91 $50
4.74% 4.74% 49-60 mos. $18.75 $50
4.74% 4.74% 61-72 mos. $15.99 $50
4.74% 4.74% 73-84 mos. $14.01 $50
5.00% 5.00% 85-96 mos. $12.66 $50
5.00% 5.00% 97-120 mos. $10.61 $50
 

$25 Title, $96 UCC & $65 VSI fees will be charged when necessary

1Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on $10,000 financed, except for 72-84 month term Auto loans where the APR is based on $15,000 minimum loan amount.  APR and term are based on evaluation of applicant's credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

2$50 application fee is waived with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

3Loan term is available based on evaluation of applicant's credit

4Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on $10,000 financed, except 61-72 month term motorcycle, snowmobile, personal watercraft, scooter and ATV loans where APR is based on $12,000 minimum loan amount, and 97 -120 term boat & RV loans where APR is based on 15,000 minimum loan amount. APR and term are based on evaluation of applicant's credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term. 

Home Equity Lines of Credit1

Loan Type Interest Rate2 APR2 Term CLTV3 Fees4
Home Equity Line of Credit: Starting at $10,000
2.99% for first 6 billing cycles. Thereafter, prime minus .25 2.99% for first 6 billing cycles. Thereafter, prime minus .25 240 mos. up to 85% $50/year

1For 1-4 family owner occupied primary residences only. $10,000 Minimum advance at closing. 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. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $75 discharge tracking fee.

2SMB Prime is based on the Wall Street Journal prime rate and may change without notice. (Prime Rate as published in The Wall Street Journal preceding the start of each monthly billing period; current prime rate is 4.25%). 16% Cap, 3% Floor. During the first 6 billing cycles, the rate is fixed at 2.99% APR.

3Up to 85% CLTV for 1 to 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 to 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 to 4 family homes and up to 70% CLTV for Condos for lines greater than $500,000

4Annual fee waived with automatic payment from a St. Mary's Bank Beyond Checking account.

 

The following fees are waived1

Loan Type Fee
Equity Line Appraisal Single Family = $350; 2-4 Family = $500 (Waived)1
Equity Line Automated Valuations $50 - This valuation method is used for Equity Lines of Credit up to $150,000 (Waived)1
Flood Certificate $11 (Waived)1
Legal Work $350 plus registry fees (Waived)
 

1St. Mary's is committed to remaining competitive, especially when it comes to rates and fees, so as a result we waive the fees listed above, saving you money and keeping your best interests in mind.

 

Home Improvement Loans1 - Rates Starting At...

Loan Type Interest Rate APR2 Term LTV Monthly Payment per $1,000 for max term
Home Improvement Loan up to $25,000
7.74% 7.74% up to 60 mos. n/a $20.16
7.99% 7.99% 61 to 84 mos. n/a $15.49
Green Rate Home Improvement Loan4 up to $25,000
5.99% 5.99%3 up to 84 mos. n/a $14.61

1For 1-4 family owner occupied primary residences only.

2Annual Percentage Rate (APR) reflects 0.25% discount for automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $10,000, and is based on evaluation of applicant's credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

3Annual Percentage Rate (APR) based on loan amount of $10,000 and reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

4For energy saving home improvement projects

 

Personal Unsecured Loans - Rates Starting At...

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Personal Unsecured up to $15,000
8.74% 8.74% up to 60 mos. $20.64 $50

1Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $5,000. Based on maximum terms. APR is based on evaluation of applicant's credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

2$50 application fee is waived with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

 

Overdraft Protection

Loan Type Interest Rate APR Fees
Overdraft Protection
18.00% 18.00% $25 per Year
 

Credit Builder Loans

Loan Type Interest Rate APR Term Monthly Payment per $500 for max term Fees
Credit Builder
7.74% 7.74%1 up to 24 mos. $22.56 none
Credit Builder Plus
7.74% 7.74%2 up to 48 mos. $12.15 none

1Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $500.00 Based on maximum term. Available to applicants who have been a member in good standing for at least 6 months

2Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $5,000.00 Based on maximum term.