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Consumer Loan Rates

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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 2022 to 2024
6.44% 6.44% up to 63 mos. $18.75 $50
6.64% 6.64% 64 to 75 mos. $16.33 $50
7.64% 7.64% 76-84 mos.3 $15.41 $50
Auto Model Year 2017 to 2021
6.54% 6.54% up to 63 mos. $18.80 $50
7.24% 7.24% 64-75 mos. $16.62 $50
7.94% 7.94% 76-84 mos.3 $15.56 $50
Auto Model Year 2015 to 2016
7.24% 7.24% up to 36 mos. $30.99 $50
7.64% 7.64% 37-63 mos. $19.32 $50
Auto Model Year 2014 and Older
8.24% 8.24% up to 36 mos. $31.45 $50
8.64% 8.64% 37-63 mos. $19.80 $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 2022 to 2024
7.90% 7.90% up to 36 mos. $31.29 $50
8.20% 8.20% 37-48 mos. $24.51 $50
8.40% 8.40% 49-60 mos. $20.47 $50
9.60% 9.60% 61-72 mos. $18.32 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2017-2021
8.90% 8.90% up to 36 mos. $31.75 $50
9.20% 9.20% 37-48 mos. $24.98 $50
9.40% 9.40% 49-60 mos. $20.95 $50
10.60% 10.60% 61-72 mos. $18.83 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2015-2016
10.00% 10.00% up to 36 mos. $32.27 $50
10.30% 10.30% 37 - 48 mos. $25.51 $50
10.50% 10.50% 49 - 60 mos. $21.49 $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 2014 and newer) up to $100,000. Boats not to exceed 25 feet in length
10.05% 10.05% up to 84 mos. $16.63 $50
10.31% 10.31% 85-120 mos. $13.39 $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
8.250% (Prime minus .25) 8.250% (Prime minus .25) Variable, Revolving6 Interest only up to 80% $50 annual fee per year
7.000% 7.331% Fixed up to 36 Months $31.03 up to 80% $50 lock fee
7.250% 7.456% Fixed up to 60 Months $20.02 up to 80% $50 lock fee
7.500% 7.612% Fixed up to 120 Months $11.93 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
10.39% 10.39% up to 60 mos. n/a $21.44
10.64% 10.64% 61 to 84 mos. n/a $16.94
Green Rate Home Improvement Loan4 up to $25,000
7.64% 7.64%3 up to 84 mos. n/a $15.41

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
12.39% 12.39% up to 48 mos. $26.53 $50
13.39% 13.39% 49 - 60 mos. $22.96 $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