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Auto Loans
Apply Now| Loan Type | Term | Interest Rate | APR 1 | Monthly Payment per $1,000 for max term | Fees 2 |
|---|---|---|---|---|---|
| Auto Model Year 2023 to 2025 | up to 63 mos. | 5.14% | 5.14% | $18.15 | $50 |
| 64 - 75 mos. | 5.64% | 5.64% | $15.86 | $50 | |
|
76 - 84 mos.3 |
6.14% | 6.14% | $14.68 | $50 | |
| Auto Model Year 2018 to 2022 | up to 63 mos. | 5.54% | 5.54% | $18.33 | $50 |
| 64-75 mos. | 6.04% | 6.04% | $16.05 | $50 | |
|
76 - 84 mos.3 |
6.54% | 6.54% | $14.87 | $50 | |
| Auto Model Year 2016 to 2017 | up to 36 mos. | 6.34% | 6.34% | $30.58 | $50 |
| 37 - 63 mos. | 6.44% | 6.44% | $18.75 | $50 | |
| Auto Model Year 2010 to 2015 | up to 36 mos. | 7.34% | 7.34% | $31.04 | $50 |
| 37 - 63 mos. | 7.44% | 7.44% | $19.23 | $50 |
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Important Disclosures, Assumptions and APR Information
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$25 Title, $96 UCC, and $125 VSI fees will be charged when necessary. St. Mary's Bank will not accept "blemished" titles as collateral, including, but not limited to, salvaged, true miles unknown (TMU), or rebuilt. Maximum vehicle mileage 125,000
1Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the MSRP (new auto loans) or J.D. Power/NADA Retail Value (used auto loans), and vehicle with 100,000 miles or fewer. APR for vehicles with 100,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 76-84 month term auto loans where the APR is based on $20,000 minimum loan amount. 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.
3Loan term is available based on evaluation of applicant's credit
1Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the MSRP (new auto loans) or J.D. Power/NADA Retail Value (used auto loans), and vehicle with 100,000 miles or fewer. APR for vehicles with 100,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 76-84 month term auto loans where the APR is based on $20,000 minimum loan amount. 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.
3Loan term is available based on evaluation of applicant's credit
Recreational Toy Loans
Apply Now| Loan Type | Term | Interest Rate | APR 1 | Monthly Payment per $1,000 for max term | Fees 2 |
|---|---|---|---|---|---|
| Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2023 to 2025 | up to 36 mos. | 7.90% | 7.90% | $31.29 | $50 |
|
37 - 48 mos. |
8.20% | 8.20% | $24.51 | $50 | |
|
49 - 60 mos. |
8.40% | 8.40% | $20.47 | $50 | |
|
61 - 72 mos. |
9.60% | 9.60% | $18.32 | $50 | |
| Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2018 to 2022 | up to 36 mos. | 8.90% | 8.90% | $31.75 | $50 |
|
37 - 48 mos. |
9.20% | 9.20% | $24.98 | $50 | |
|
49 - 60 mos. |
9.40% | 9.40% | $20.95 | $50 | |
|
61 - 72 mos. |
10.60% | 10.60% | $18.83 | $50 | |
| Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2016 to 2017 | up to 36 mos. | 10.00% | 10.00% | $32.27 | $50 |
|
37 - 48 mos. |
10.30% | 10.30% | $25.51 | $50 | |
| 49 - 60 mos. | 10.50% | 10.50% | $21.49 | $50 |
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Important Disclosures, Assumptions and APR Information
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$25 Title, $96 UCC, and $125 VSI fees will be charged when necessary. St. Mary's Bank will not accept "blemished" titles as collateral, including, but not limited to, salvaged, true miles unknown (TMU), or rebuilt.
1Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the Suggested List (new units) or J.D. Power/NADA Retail Value (used units), and vehicle with 50,000 miles or fewer. APR for vehicles with 50,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 61-72 month term where APR is based on $12,000 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.
Boats & RV Loans
Apply Now| Loan Type | Term | Interest Rate | APR 1 | Monthly Payment per $1,000 for max term | Fees 2 |
|---|---|---|---|---|---|
|
RV & Boats Model Year 2015 and Newer* |
up to 84 mos. | 10.05% | 10.05% | $16.63 | $50 |
| 85 - 120 mos. | 10.31% | 10.31% | $13.39 | $50 |
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* Up to $100,000. Boats not to exceed 25 feet in length.
$25 Title, $96 UCC, and $125 VSI fees will be charged when necessary. St. Mary's Bank will not accept "blemished" titles as collateral, including, but not limited to, salvaged, true miles unknown (TMU), or rebuilt.
1Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on $10,000 financed, except for 85 -120 month term 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.
2$50 application fee is waived with automatic funds transfer from a St. Mary's Bank Beyond Checking account.
Home Equity Lines of Credit¹
Apply Now| Loan Type | Term | Interest Rate | APR 2 | Monthly Payment per $1,000 for max term 3 | CLTV 4 | Fees 5 |
|---|---|---|---|---|---|---|
|
Home Equity Line with Lock Option |
Variable, Revolving6 |
7.250% (Prime minus .25) | 7.250% (Prime minus .25) | Interest only | up to 80% | $50 annual fee per year |
|
Fixed up to 36 mos. |
6.250% | 6.586% | $30.69 | up to 80% | $50 lock fee | |
| Fixed up to 60 mos. | 6.500% | 6.709% | $19.67 | up to 80% | $50 lock fee | |
| Fixed up to 120 mos. | 6.750% | 6.862% | $11.54 | up to 80% | $50 lock fee |
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Important Disclosures, Assumptions, and APR Information
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1For 1-4 family owner occupied primary residence NH properties only. $10,000 Minimum line amount. If the line 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 $675 - $1,275.
2Annual Percentage Rate (APR) is based on loan amount of $10,000. Rates and terms may change at any time and vary by loan amount.
3Lock Option allows up to 3 fixed rate amounts in one year and at any one time. Up to 10 fixed rate amounts over the life of the loan. Monthly payment for the fixed rate is based on the term and rate shown above. Minimum fixed rate amount is $1,000.
4Up to 80% CLTV for 1 to 4 family homes and up to 75% CLTV for Condos for credit scores of 730 and above and St. Mary's Bank holds the 1st mortgage; up to 75% CLTV for 1 to 4 family homes and up to 70% CLTV for Condos when St. Mary's Bank does not hold the 1st mortgage. Up to 70% CLTV for 1 to 4 family homes and up to 65% CLTV for Condos for lines greater than $500,000.
5Annual fee waived with automatic funds transfer from a St. Mary’s Bank Beyond Checking account. First lock fee is waived within one year of loan opening; $50 for each additional.
6Prime -.25% variable monthly for the life of the line. Prime Rate published in the Wall Street Journal preceding the start of each monthly billing period. Current prime rate is 7.50%. 3% Minimum, 16% Maximum. 240 month loan term. 10 year draw period; 10 year repayment. You will be billed interest only during the draw period. If you pay interest only you will owe the amounts drawn and your monthly payment will increase when the draw period ends.
The following fees are waived1
Loan Type | Fee |
Equity Line Appraisal | Single Family = $350-$600; 2-4 Family = $400-$800 (Waived)1 |
Equity Line Automated Valuations | $58-$80 - This valuation method is used for Equity Lines of Credit up to $250,000 (Waived)1 |
Flood Certificate | $11 (Waived)1 |
Legal Work | $525 plus registry fees (Waived)1 |
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
Apply Now| Loan Type | Term | Interest Rate | APR 2 | LTV | Monthly Payment per $1,000 for max term |
|---|---|---|---|---|---|
|
Home Improvement Loan up to $25,000 |
up to 60 mos. |
10.39% | 10.39% | n/a | $21.44 |
|
61 - 84 mos. |
10.64% | 10.64% | n/a |
$16.94 |
|
| Green Rate Home Improvement Loan3 up to $25,000 | up to 84 mos. | 7.64% | 7.64% | n/a | $15.41 |
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Important Disclosures, Assumptions, and APR Information
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1For 1-4 family owner occupied primary residences only.
2Annual Percentage Rate (APR) reflects 0.10% 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.
3For energy saving home improvement projects
Credit Builder Loans
Call to Apply| Loan Type | Term | Interest Rate | APR | Monthly Payment per $500 for max term | Fees |
|---|---|---|---|---|---|
|
Credit Builder |
up to 24 mos. |
7.89% | 7.89%1 | $22.60 | none |
|
Credit Builder Plus |
up to 48 mos. |
7.89% | 7.89%2 | $12.18 | none |
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Important Disclosures, Assumptions, and APR Information
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1Annual Percentage Rate (APR) reflects 0.10% 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 0.10% 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.
Personal Unsecured Loans
Apply Now| Loan Type | Term | Interest Rate | APR 1 | Monthly Payment per $1,000 for max term | Fees 2 |
|---|---|---|---|---|---|
| Personal Unsecured up to $15,000 | up to 48 mos. | 12.39% | 12.39% | $26.53 | $50 |
|
49 - 60 mos. |
13.39% | 13.39% | $22.96 | $50 |
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Important Disclosures, Assumptions, and APR Information
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1Annual Percentage Rate (APR) reflects 0.10% 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
Call to Apply| Loan Type | Interest Rate | APR | Fees |
|---|---|---|---|
| Overdraft Protection | 18.00% | 18.00% | $25 per year |
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