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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
3.84% 3.84% up to 36 mos. $29.46 $50
4.34% 4.34% 37-63 mos. $17.78 $50
4.80% 4.80% 64 to 75 mos. $15.46 $50
5.79% 5.79% 76-84 mos.3 $14.51 $50
Auto Model Year 2015 to 2019
4.00% 4.00% up to 36 mos. $29.53 $50
4.65% 4.65% 37-63 mos. $17.92 $50
5.40% 5.40% 64-75 mos. $15.74 $50
6.19% 6.19% 76-84 mos.3 $14.70 $50
Auto Model Year 2013 to 2014
5.48% 5.48% up to 36 mos. $30.19 $50
6.03% 6.03% 37-63 mos. $18.56 $50
Auto Model Year 2012 and Older
6.48% 6.48% up to 36 mos. $30.64 $50
7.03% 7.03% 37-63 mos. $19.03 $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
4.90% 4.90% up to 36 mos. $22.93 $50
5.20% 5.20% 37-48 mos. $23.12 $50
5.40% 5.40% 49-60 mos. $19.06 $50
6.60% 6.60% 61-72 mos. $16.86 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2015-2019
5.90% 5.90% up to 36 mos. $30.38 $50
6.20% 6.20% 37-48 mos. $23.58 $50
6.40% 6.40% 49-60 mos. $19.52 $50
7.60% 7.60% 61-72 mos. $17.34 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2013-2014
7.00% 7.00% up to 36 mos. $30.88 $50
7.30% 7.30% 37 - 48 mos. $24.09 $50
7.50% 7.50% 49 - 60 mos. $20.04 $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
7.55% 7.55% up to 84 mos. $15.37 $50
7.81% 7.81% 85-120 mos. $12.04 $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
6.000% (Prime minus .25) 6.000% (Prime minus .25) Variable, Revolving6 Interest only up to 80% $50 annual fee per year
6.250% 6.581% Fixed up to 36 Months $30.69 up to 80% $50 lock fee
6.500% 6.705% Fixed up to 60 Months $19.66 up to 80% $50 lock fee
6.750% 6.860% Fixed up to 120 Months $11.54 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
9.39% 9.39% up to 60 mos. $20.95 $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