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Deposit Rates

Rate information is current as of: July 12, 2024.

CDs and IRAs 1,8,13

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CDs and IRAs
Product Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
7-Month Promo CD/IRA 4.879% 5.00% $500
14-Month Promo CD/IRA 4.879% 5.00% $500
18-Month Promo CD/IRA 4.879% 5.00% $500
24-Month IRA 4.402% 4.50% $500
24-Month Flex CD Promo 14 3.440% 3.50% $500
30-Month Flex CD Promo 14 3.440% 3.50% $500
6 - 11 Month CD/IRA 0.60% 0.60% $500
12 - 23 Month CD/IRA 0.75% 0.75% $500
24 - 35 Month CD/IRA 1.242% 1.25% $500
36 - 47 Month CD/IRA 1.498% 1.50% $500
48 - 59 Month CD/IRA 1.98% 2.00% $500
60-Month CD/IRA 2.225% 2.25% $500

Money Market Accounts

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Money Market Rates
Product Balance Tier Interest Rate Annual Percentage Yield (APY) Minimum Balance 1
Premier Money Market 6, 13 $2,500 - $9,999 0.40% 0.40% $2,500
$10,000 - $24,999 0.45% 0.45% $2,500
$25,000 - $49,999 0.45% 0.45% $2,500
$50,000 - $99,999 0.60% 0.60% $2,500
$100,000 - $249,999 0.70% 0.70% $2,500
$250,000 - $499,999 0.75% 0.75% $2,500
$500,000 - $999,999 0.80% 0.80% $2,500
$1,000,000 + 0.85% 0.85% $2,500

Club Account Rates 1,5,9

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Club Account Rates
Product Term Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
Christmas Club 50 weeks 0.15% 0.15% $10
Winter Club 50 weeks 0.15% 0.15% $10
Summer Club 50 weeks 0.15% 0.15% $10
Back to School Club 50 weeks 0.15% 0.15% $10

Savings Accounts 1,2

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Product Minimum Balance Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
Rainy Day Savings 13,18,19 $0.01 - $500 6.766% 7.00% $25
$501 - $1,000 4.879% 5.00% $25
$1,001 + 0.05% 0.05% $25
Beyond Savings Statement 13 $0.01 - $2,499 0.05% 0.05% $10
$2,500 - $4,999 0.05% 0.05% $10
$5,000 - $9,999 0.05% 0.05% $10
$10,000+ 0.05% 0.05% $10
Super Saver Statement $0.01 - $2,499 0.05% 0.05% $10
$2,500 - $4,999 0.05% 0.05% $10
$5,000 - $9,999 0.05% 0.05% $10
$10,000+ 0.05% 0.05% $10
Beyond Rewards Savings 4 $0.01 - $4,999 0.05% 0.05% $10
$5,000 + 0.05% 0.05% $10
IRA Savings $10 0.10% 0.10% $10

Beyond Savings Passbook 13, 20

Grandfathered Account - no longer available

$0.01 and up 0.05% 0.05% n/a

Super Saver Savings Passbook 20

Grandfathered Account - no longer available

$0.01 0.05% 0.05% n/a
Health Savings Account (HSA) $1,000 0.10% 0.10% $50

Checking Accounts 1,2

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Checking Accounts
Product Minimum Balance Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit
603 Checking n/a n/a n/a $10
Beyond Checking n/a n/a n/a $10
Beyond Interest Checking13 $1,000 0.01% 0.01% $10
Beyond Rewards Checking3,13 $20,000 0.05% 0.05% $10
Student Checking n/a n/a n/a $10
Show Hide Important Disclosures, Assumptions, and APY information
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St. Mary's Bank is a member-owned credit union. Membership is open to anyone with the purchase of one share of stock for $5.


(1) Annual Percentage Yield (APY) is accurate for all accounts listed, as of the date noted above.
(2) Variable rates are subject to change without notice, and after the account is opened.
(3) Monthly service fee waived with combined minimum daily balances in all St. Mary's deposit and loan accounts of $20,000.
(4) Available to Beyond Rewards Checking account holders.
(5) Simple interest will be credited to your account at the end of the club term. Interest rates are guaranteed from time of purchase to maturity. Premature withdrawals may reduce earnings. Subject to penalty for early withdrawal.
(6) Monthly service fee waived when the minimum daily balance remains above $2,500.
(7) Monthly service fee waived when the minimum daily balance remains above $10,000.
(8) Interest rates for CD's and CD IRA's are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal.
(9) Club account transfers are limited to a maximum of $100 per week over the 50 week period. 'Catch up' deposits are limited to the amount required to bring the club account current.
(10) $10 minimum opening deposit required.
(13) Fees may reduce earnings.
(14) One time penalty free withdrawal up to 25% of the principal balance. One time rate upgrade during initial term. One time additional deposit during initial term not to exceed original deposit amount. CD only – IRA ineligible for promotion.
(18) Minimum $25.00 monthly automatic transfer from a St. Mary's Bank checking or from Direct Deposit required. One free withdrawal per month and $2.00 for each withdrawal thereafter. Limit one Rainy Day Savings per member.
(19) An interest rate of 6.766% will be paid only for that portion of your daily balance that is greater than $0.01. The annual percentage yield for this tier will be 7.00%. An interest rate of 4.879% will be paid only for that portion of your daily balance that is greater than $500. The annual percentage yield for this tier will range from 5.00% to 7.00%, depending on the balance in the account. An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $1,000. The annual percentage yield for this tier will range from 0.05% to 7.00%, depending on the balance in the account.
(20) Passbook accounts are maintained for accounts opened prior to 1/12/24.

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