Consumer Loan Rates

Auto Loans	Home Improvement Loans	More Rates
Boat & RV Loans	Personal Unsecured Loans	Business Deposit
Credit Cards	Overdraft Protection	Consumer Deposit
Motorcycle Loans	Credit Builder Loans	Mortgage
Home Equity Lines of Credit

Auto Loans - Rates Starting At…

Loan Type	Interest Rate	APR¹	Term	Monthly Payment per $1,000 for max term	Fees²
Auto Model Year 2021 to 2023
	5.64%	5.64%	up to 36 mos.	$30.26	$50
	5.64%	5.64%	37-63 mos.	$18.38	$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 2016 to 2020
	6.10%	6.10%	up to 36 mos.	$30.47	$50
	6.75%	6.75%	37-63 mos.	$18.90	$50
	7.50%	7.50%	64-75 mos.	$16.74	$50
	8.29%	8.29%	76-84 mos.³	$15.73	$50
Auto Model Year 2014 to 2015
	7.58%	7.58%	up to 36 mos.	$31.14	$50
	8.13%	8.13%	37-63 mos.	$19.55	$50
Auto Model Year 2013 and Older
	8.58%	8.58%	up to 36 mos.	$31.60	$50
	9.13%	9.13%	37-63 mos.	$20.04	$50

Important Disclosures, Assumptions and APR information

$25 Title, $96 UCC, and $80 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.

¹Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the MSRP (new auto loans) or J.D. Power/NADA Retail Value (used auto loans), and vehicle with 100,000 miles or fewer. APR for vehicles with 100,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 76-84 month term auto loans where the APR is based on $20,000 minimum loan amount. 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.

³Loan term is available based on evaluation of applicant's credit

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 2021 to 2023
	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 2016-2020
	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 2014-2015
	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

Important Disclosures, Assumptions and APR information

$25 Title, $96 UCC, and $80 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.

¹Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the Suggested List (new units) or J.D. Power/NADA Retail Value (used units), and vehicle with 50,000 miles or fewer. APR for vehicles with 50,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 61-72 month term where APR is based on $12,000 minimum loan amount. APR and term are 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.

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 2013 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

Important Disclosures, Assumptions and APR information

$25 Title, $96 UCC, and $80 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.

¹Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the Suggested List (new units) or J.D. Power/NADA Retail Value (used units), and vehicle with 50,000 miles or fewer. APR for vehicles with 50,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 97 -120 month term where APR is based on 15,000 minimum loan amount. APR and term are 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.

Home Equity Lines of Credit¹

Loan Type	Interest Rate	APR²	Term	Monthly Payment per $1,000³	CLTV⁴	Fees⁵
Home Equity Line with Lock Option
	7.500% (Prime minus .25)	7.500% (Prime minus .25)	Variable, Revolving⁶	Interest only	up to 80%	$50 annual fee per year
	6.750%	7.081%	Fixed up to 36 Months	$30.91	up to 80%	$50 lock fee
	7.000%	7.206%	Fixed up to 60 Months	$19.90	up to 80%	$50 lock fee
	7.250%	7.361%	Fixed up to 120 Months	$11.80	up to 80%	$50 lock fee

Important Disclosures, Assumptions and APR information

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 $500 - $1,100.

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 3.25%. 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.

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

Important Disclosures, Assumptions and APR information

¹St. Mary's is committed to remaining competitive, especially when it comes to rates and fees, so as a result we waive the fees listed above, saving you money and keeping your best interests in mind.

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
	7.89%	7.89%	up to 60 mos.	n/a	$20.22
	8.14%	8.14%	61 to 84 mos.	n/a	$15.66
Green Rate Home Improvement Loan⁴ up to $25,000
Green Rate Home Improvement Loan⁴ up to $25,000	7.64%	7.64%³	up to 84 mos.	n/a	$15.41

Important Disclosures, Assumptions and APR information

¹For 1-4 family owner occupied primary residences only. Only available within the state of New Hampshire.

²Annual Percentage Rate (APR) reflects 0.10% discount for the Home Improvement Loan and a .10% discount for the Green Rate Home Improvement Loan 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.

³Annual Percentage Rate (APR) based on loan amount of $10,000 and reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

⁴For energy saving home improvement projects

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
Personal Unsecured up to $15,000	10.89%	10.89%	up to 60 mos.	$21.69	$50

Important Disclosures, Assumptions and APR information

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. Only available within the state of New Hampshire.

²$50 application fee is waived with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

Overdraft Protection

Loan Type	Interest Rate	APR	Fees
Overdraft Protection
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
Credit Builder	7.89%	7.89%¹	up to 24 mos.	$22.60	none
Credit Builder Plus
Credit Builder Plus	7.89%	7.89%²	up to 48 mos.	$12.18	none

Important Disclosures, Assumptions and APR information

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.