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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 2020 to 2022
3.09% 3.09% up to 36 mos. $29.12 $50
3.29% 3.29% 37-63 mos. $17.31 $50
3.75% 3.75% 64 to 75 mos. $14.98 $50
4.99% 4.99% 76-84 mos.3 $14.13 $50
Auto Model Year 2015 to 2019
3.25% 3.25% up to 36 mos. $29.20 $50
3.60% 3.60% 37-63 mos. $17.45 $50
4.35% 4.35% 64-75 mos. $15.26 $50
5.39% 5.39% 76-84 mos.3 $14.32 $50
Auto Model Year 2013 to 2014
4.73% 4.73% up to 36 mos. $29.85 $50
4.98% 4.98% 37-63 mos. $18.08 $50
Auto Model Year 2012 and Older
5.73% 5.73% up to 36 mos. $30.30 $50
5.98% 5.98% 37-63 mos. $18.54 $50

 

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

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2020 to 2022
4.15% 4.15% up to 48 mos. $22.65 $50
4.35% 4.35% 49 - 60 mos. $18.58 $50
5.55% 5.55% 61-72 mos. $16.37 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2015-2019
5.15% 5.15% up to 48 mos. $23.10 $50
5.35% 5.35% 49 - 60 mos. $19.04 $50
6.55% 6.55% 61-72 mos. $16.84 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2013-2014
6.25% 6.25% up to 48 mos. $23.60 $50
6.45% 6.45% 49 - 60 mos. $19.55 $50

 

Boat & RV Loans - Rates Starting At…

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
RV & Boats (Model Year 2012 and newer) up to $100,000. Boats not to exceed 25 feet in length
5.75% 5.75% up to 84 mos. $14.49 $50
6.01% 6.01% 85-120 mos. $11.11 $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
3.75% (Prime minus .25) 3.75% (Prime minus .25) Variable, Revolving6 Interest only up to 80% $50 annual fee per year
4.375% 4.707% Fixed up to 36 Months $29.84 up to 80% $50 lock fee
4.625% 4.830% Fixed up to 60 Months $18.80 up to 80% $50 lock fee
4.875% 4.983% Fixed up to 120 Months $10.60 up to 80% $50 lock fee

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 - 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
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 - Rates Starting At...

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Personal Unsecured up to $15,000
8.39% 8.39% up to 60 mos. $20.47 $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