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  Mortgage
 

Auto Loans - Rates Starting At…

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Auto Model Year 2018 to 2019
3.49% 3.49% up to 63 mos. $17.41 $50
4.05% 4.05% 64-72 mos. $15.67 $50
4.15% 4.15% 73-75 mos.3 $15.16 $50
5.65% 5.65% 76-84 mos.3 $14.44 $50
Auto Model Year 2017
3.60% 3.60% up to 63 mos. $17.45 $50
4.14% 4.14% 64-72 mos. $15.71 $50
4.40% 4.40% 73-75 mos.3 $15.28 $50
5.85% 5.85% 76-84 mos.3 $14.54 $50
Auto Model Year 2016
3.60% 3.60% up to 63 mos. $17.45 $50
4.14% 4.14% 64-72 mos. $15.71 $50
4.40% 4.40% 73-75 mos.3 $15.28 $50
5.85% 5.85% 76-84 mos.3 $14.54 $50
Auto Model Year 2015
3.70% 3.70% up to 63 mos. $17.49 $50
4.34% 4.34% 64-72 mos. $15.80 $50
4.50% 4.50% 73-75 mos.3 $15.32 $50
Auto Model Year 2014
3.80% 3.80% up to 63 mos. $17.54 $50
4.55% 4.55% 64-69 mos.3 $16.50 $50
Auto Model Year 2013
3.90% 3.90% up to 63 mos. $17.58 $50
4.65% 4.65% 64-69 mos.3 $16.55 $50
Auto Model Year 2012
5.00% 5.00% up to 60 mos. $18.87 $50
Auto Model Year 2011 & older
6.00% 6.00% up to 60 mos. $19.33 $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 2008 and newer)
6.99% 6.99% up to 36 mos. $30.87 $50
6.99% 6.99% 37-48 mos. $23.94 $50
6.99% 6.99% 49-60 mos. $19.80 $50
6.99% 6.99% 61-72 mos. $17.05 $50
RV & Boats (Model Year 2008 and newer) up to $100,000
6.99% 6.99% up to 36 mos. $30.87 $50
6.99% 6.99% 37-48 mos. $23.94 $50
6.99% 6.99% 49-60 mos. $19.80 $50
6.99% 6.99% 61-72 mos. $17.05 $50
6.99% 6.99% 73-84 mos. $15.09 $50
7.25% 7.25% 85-96 mos. $13.76 $50
7.25% 7.25% 97-120 mos. $11.74 $50
 

$25 Title, $96 UCC, and $80 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; a 0.25% discount when the loan amount is 80% or less than the MSRP (new auto loans) or 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 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 Rate APR2 Term Monthly Payment per $1,0003 CLTV4 Fees5
Home Equity Line with Lock Option
3.49% 3.49% 6 Month Promo Rate6 up to 85%
5.00% (Prime minus .25) 5.00% (Prime minus .25) Variable, Revolving7 Interest only up to 85% $50 annual fee per year
5.25% 5.57% Fixed up to 36 Months $31.36 up to 85% $50 annual fee per year, $50 lock fee
5.50% 5.70% Fixed up to 60 Months $20.36 up to 85% $50 annual fee per year, $50 lock fee
5.75% 5.85% Fixed up to 120 Months $12.31 up to 85% $50 annual fee per year, $50 lock fee

1For 1-4 family owner occupied primary residence NH properties only. $10,000 Minimum line amount; $10,000 Minimum advance at closing. 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 $500 - $1,100.

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 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.

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.

6During the first 6 billing cycles the rate is fixed at 3.49%, then the rate changes to Prime -.25%, variable monthly for the remainder of 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 5.25%. 3% Minimum, 16% Maximum.

7240 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; 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. Only available within the state of New Hampshire. Must be a member of St. Mary's Bank for a minimum of 6 months.

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. Only available within the state of New Hampshire. Must be a member of St. Mary's Bank for a minimum of 6 months.

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.