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  Mortgage

Auto Loans - Rates Starting At…

Loan Type Interest Rate APR1 Term Monthly Payment per $1,000 for max term Fees2
Auto Model Year 2019 to 2021
2.54% 2.54% up to 63 mos. $16.98 $50
3.00% 3.00% 64-75 mos. $14.64 $50
4.14% 4.14% 76-84 mos.3 $13.74 $50
Auto Model Year 2014 to 2018
2.85% 2.85% up to 63 mos. $17.11 $50
3.60% 3.60% 64-75 mos. $14.92 $50
4.54% 4.54% 76-84 mos.3 $13.93 $50
Auto Model Year 2012 to 2013
4.23% 4.23% up to 63 mos. $17.73 $50
Auto Model Year 2011 and Older
5.23% 5.23% up to 63 mos. $18.19 $50

Motorcycle, Boat & RV Loans - Rates Starting At…

Loan Type Interest Rate APR4 Term Monthly Payment per $1,000 for max term Fees2
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV (Model year 2011 and newer)
5.25% 5.25% up to 72 mos. $16.22 $50
RV & Boats (Model Year 2011 and newer) up to $100,000. Boats not to exceed 25 feet in length
5.25% 5.25% up to 84 mos. $14.25 $50
5.51% 5.51% 85-120 mos. $10.86 $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
3.00% (Prime minus .25) 3.00% (Prime minus .25) Variable, Revolving6 Interest only up to 80% $50 annual fee per year
3.25% 3.25% Fixed up to 36 Months $29.20 up to 80% $50 lock fee waived until 12/31/2021
3.25% 3.25% Fixed up to 60 Months $18.08 up to 80% $50 lock fee waived until 12/31/2021
3.25% 3.25% Fixed up to 120 Months $9.78 up to 80% $50 lock fee waived until 12/31/2021

The following fees are waived1

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 borrower

Type Fee
Trust Review $175 Properties Held in a Trust
Discharge Tracking $75 for each non-St. Mary's Bank mortgage paid off with loan proceeds
 



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
7.89% 7.89% up to 60 mos. $20.22 $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