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Consumer Loan Rates

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Mortgage

Auto Loans

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Auto Model Year 2019 to 2021
1.99% 1.99% up to 36 mos. $28.64 $50
2.44% 2.44% 37-63 mos. $16.93 $50
2.90% 2.90% 64 to 75 mos. $14.60 $50
4.34% 4.34% 76-84 mos.3 $13.83 $50
Auto Model Year 2014 to 2018
2.40% 2.40% up to 36 mos. $28.82 $50
2.75% 2.75% 37-63 mos. $17.07 $50
3.50% 3.50% 64-75 mos. $14.87 $50
4.74% 4.74% 76-84 mos.3 $14.02 $50
Auto Model Year 2012 to 2013
3.88% 3.88% up to 36 mos. $29.48 $50
4.13% 4.13% 37-63 mos. $17.69 $50
Auto Model Year 2011 and Older
4.88% 4.88% up to 36 mos. $29.92 $50
5.13% 5.13% 37-63 mos. $18.15 $50
 

 

Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, and UTV Loans

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2018 to 2021
2.90% 2.90% up to 48 mos. $22.09 $50
3.10% 3.10% 49 - 60 mos. $18.02 $50
4.30% 4.30% 61-72 mos. $15.79 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2013-2017
3.90% 3.90% up to 48 mos. $22.54 $50
4.10% 4.10% 49 - 60 mos. $18.47 $50
5.30% 5.30% 61-72 mos. $16.25 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2011-2012
5.00% 5.00% up to 48 mos. $23.03 $50
5.20% 5.20% 49 - 60 mos. $18.97 $50
 

 

Boat & RV Loans

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
RV & Boats (Model Year 2011 and newer) up to $100,000. Boats not to exceed 25 feet in length
5.25% 5.25% up to 84 mos. $14.25 $50
5.51% 5.51% 85-120 mos. $10.86 $50
 

 

Home Equity Lines of Credit1

Loan Type Interest Rate APR2 Term Monthly Payment per $1,0003 CLTV4 Fees5
Home Equity Line with Lock Option
3.00% (Prime minus .25) 3.00% (Prime minus .25) Variable, Revolving6 Interest only up to 80% $50 annual fee per year
3.25% 3.25% Fixed up to 36 Months $29.20 up to 80% $50 lock fee waived until 12/31/2021
3.25% 3.25% Fixed up to 60 Months $18.08 up to 80% $50 lock fee waived until 12/31/2021
3.25% 3.25% Fixed up to 120 Months $9.78 up to 80% $50 lock fee waived until 12/31/2021
 

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)
 

The following fees are paid by the borrower1

Type Fee
Trust Review $175 for Properties Held in a Trust1
Discharge Tracking $75 for each non-St. Mary's Bank mortgage paid off with loan proceeds.1
 

 

Home Improvement Loans1

Loan Type Interest Rate APR2 Term LTV Monthly Payment per $1,000 for max term
Home Improvement Loan up to $25,000
5.89% 5.89% up to 60 mos. n/a $19.28
6.14% 6.14% 61 to 84 mos. n/a $14.68
Green Rate Home Improvement Loan4 up to $25,000
5.64% 5.64%3 up to 84 mos. n/a $14.44
 

 

Personal Unsecured Loans

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Personal Unsecured up to $15,000
5.89% 5.89% up to 60 mos. $19.29 $50
 

 

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
7.89% 7.89%1 up to 24 mos. $22.60 none
Credit Builder Plus
7.89% 7.89%2 up to 48 mos. $12.18 none