Credit Cards
Want to be rewarded for your purchases? We have credit card options to meet you where you're at, whether you want to earn rewards or just want to build credit, we've got you covered.
Loan Type | Term | Interest Rate | APR 1 | Monthly Payment per $1,000 for max term | Fees 2 |
---|---|---|---|---|---|
Auto Model Year 2022 to 2024 | up to 63 mos. | 5.99% | 5.99% | $18.54 | $50 |
64 - 75 mos. | 6.19% | 6.19% | $16.12 | $50 | |
76 - 84 mos.3 |
6.89% | 6.89% | $15.04 | $50 | |
Auto Model Year 2017 to 2021 | up to 63 mos. | 6.19% | 6.19% | $18.64 | $50 |
64-75 mos. | 6.79% | 6.79% | $16.40 | $50 | |
76 - 84 mos.3 |
7.39% | 7.39% | $15.29 | $50 | |
Auto Model Year 2015 to 2016 | up to 36 mos. | 6.99% | 6.99% | $30.87 | $50 |
37 - 63 mos. | 7.49% | 7.49% | $19.25 | $50 | |
Auto Model Year 2009 to 2014 | up to 36 mos. | 7.99% | 7.99% | $31.33 | $50 |
37 - 63 mos. | 8.49% | 8.49% | $19.73 | $50 |
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 2022 to 2024 | 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 2017 to 2021 | 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 2015 to 2016 | 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 |
$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.
Loan Type | Term | Interest Rate | APR 1 | Monthly Payment per $1,000 for max term | Fees 2 |
---|---|---|---|---|---|
RV & Boats Model Year 2014 and Newer* |
up to 84 mos. | 10.05% | 10.05% | $16.63 | $50 |
85 - 120 mos. | 10.31% | 10.31% | $13.39 | $50 |
* 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.
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 |
7.750% (Prime minus .25) | 7.750% (Prime minus .25) | Interest only | up to 80% | $50 annual fee per year |
Fixed up to 36 mos. |
6.500% | 6.836% | $30.80 | up to 80% | $50 lock fee | |
Fixed up to 60 mos. | 6.750% | 6.959% | $19.78 | up to 80% | $50 lock fee | |
Fixed up to 120 mos. | 7.000% | 7.113% | $11.67 | up to 80% | $50 lock fee |
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 8.00%. 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.
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 |
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 |
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
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 |
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.
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 |
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.
Loan Type | Interest Rate | APR | Fees |
---|---|---|---|
Overdraft Protection | 18.00% | 18.00% | $25 per year |