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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 2021 to 2023
5.94% 5.94% up to 36 mos. $30.39 $50
6.44% 6.44% 37-63 mos. $18.75 $50
6.90% 6.90% 64 to 75 mos. $16.45 $50
7.89% 7.89% 76-84 mos.3 $15.53 $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

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



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


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

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
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
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
10.89% 10.89% up to 60 mos. $21.69 $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