Save Your Way. Pick Your Perk. Dream Big.

1. $200 Bonus Offer.  To qualify for the $200 bonus:

• Open a new savings account (excludes CDs and IRAs) by June 30, 2025, using offer code Save200.
• Fund the account with at least $2,000 in funds not currently on deposit with St. Mary’s Bank.
• Establish and maintain a monthly recurring deposit of $25 or more into the savings account for six consecutive months.
• Maintain an average minimum daily balance of $2,000 during the full six-month period.
• Have an active or open a new St. Mary’s Bank checking account (requires $10 minimum to open).
• Recurring monthly deposit must be established by June 30, 2025, for automatic entry into the Iceland Sweepstakes.
  
• Offer valid for new savings account holders only. Limit one $200 bonus per primary member.
• The $200 bonus will be deposited to your new savings account on or before January 30, 2026, once all requirements are fulfilled and all deposit accounts are in good standing.

Savings Accounts: Annual Percentage Yield (APY) accurate as of 4/28/25. Deposit rates are variable. Fees may reduce earnings. Rates and terms subject to change. View rates >

Rainy Day Savings:

• A minimum $25 monthly automatic transfer from a St. Mary’s Bank checking or from an ACH direct deposit is required. 
• $25 minimum balance to open.
  
• One free withdrawal per month, $2 fee for each withdrawal thereafter.
• Limit one Rainy Day Savings account per member. 
• If at any time the automatic transfer or ACH direct deposit falls below $25 monthly or is cancelled or terminated; the account shall be converted to our Beyond Statement Savings.
• Rainy Day Savings earn 7.00% APY for $0.01-$500, 5.00% - 7.00% APY for $501-$1000, and 0.05% - 7.00% for $1,001+.
• A direct deposit is recurring income electronically deposited into your St. Mary’s Bank checking account by an employer or other organization. It may include salary, pension, government benefits, or other eligible regular income.

Rain Day Savings Account automatic sweepstakes entry eligibility: 

• In addition to the above terms, must open account with at least $2,000 in funds not currently on deposit with St. Mary’s Bank
• Maintain an average minimum daily balance of $2,000 for six months starting June 30, 2025.
  Maintain the $25 minimum automatic monthly deposit for six months starting June 30, 2025.

Beyond Savings and Beyond Rewards Savings: Earns 0.05% APY for all tiers. $10 minimum to open outside of promotional eligibility.

 

2. Iceland Sweepstakes:
No purchase necessary to enter or win. Open to New Hampshire legal residents 18 or older. Employees of St. Mary’s Bank and members of their households are not eligible. 

Prize:  One (1) winner will receive a $7,500 voucher from AAA Travel toward a trip to Iceland.

You’ll receive automatic entry by:

• Open a savings account by June 30, 2025, with an opening account balance of at least $2,000 and maintain that minimal average daily balance for six months.
• Establish a minimum $25 recurring deposit to the new savings account by June 30, 2025, and maintain the recurring deposit for at least six months (June 30, 2025-December 31, 2025).
• Account must remain in good standing through Sweepstakes period.

Alternate entry method:
Mail a 3x5 card to:
St. Mary’s Bank, Marketing Department
PO Box 990, Manchester, NH 03105
Print your legal name, legal address, phone number, email, and must include “Iceland Getaway Sweepstakes.” 

Limit one entry per person regardless of entry method

Winner will be selected on or about January 30, 2026, and notified on or about February 3, 2026.  

Read Full Sweepstakes Rules

 

3. Get $300 Bonus Offer
Actions required to qualify for the $300 deposit:

• Open both a personal checking account and a personal savings account at the same time.
• Open Checking with offer code GET300
• Add a recurring direct deposit (at least two) totaling $1,000 or more posted to your CHECKING account within 90 days of account opening.

Direct deposit is recurring income electronically deposited into your St. Mary’s Bank checking account by an employer or other organization. It may include salary, pension, government benefits, or other eligible regular income. Certain money transfers, such as person-to-person payments and payments made with apps such as Zelle®, PayPal, or Venmo, do not qualify as direct deposits. Transfers between your accounts at St. Mary’s Bank or other banks or brokerages also do not count as direct deposits.

Annual Percentage Yield (APY) accurate as of 4/28/25. Deposit rates are variable. Fees may reduce earnings. Rates and terms subject to change without notice. View rates here.

Checking accounts: A minimum deposit of $10 is required to open a checking account. 

Rainy Day Savings:  A minimum deposit of $25 is required to open a Rainy Day Savings account. A minimum $25 monthly automatic transfer from a St. Mary's Bank checking or qualified direct deposit is required. One free withdrawal is available per month, and a $2.00 fee for each withdrawal afterward. One Rainy Day Savings allowed per member. Rainy Day Savings earns 7.00% APY for $0.01-$500, 5.00% - 7.00% APY for $501-$1000, and 0.05% - 7.00% for $1,001+.

Beyond Savings accounts: A minimum of $10 is required to open a Beyond Savings account. Annual Percentage Yield (APY) accurate as of 4/28/25. Beyond Savings earns 0.05% APY for all tiers.

Bonus Offer Qualifications:
This offer is available to individuals opening their first St. Mary’s Bank checking account. If you have been a primary or secondary (joint) holder of a St. Mary’s Bank checking account within the last 90 days, you are not eligible for this bonus. All deposit accounts must be in good standing (not in default, closed or suspended) when the bonus is paid. Limit one bonus per primary member regardless of the number of checking accounts opened.

Bonus payout may take up to 30 days to post in savings account after all qualifying activities are completed. Direct deposit must be established within 90 calendar days after the account opening date. If the 90th day is not a business day, then these requirements need to be met by the next business day.

 

4. Early Pay
If we receive notice from an employer or government agency that your funds are ready, we may post your direct deposit earlier than your “official” scheduled payment day. Subject to originator payroll/funds process and timing. St. Mary’s Bank will not assume liability for not depositing funds to your account early. 

 

5. Loan Rate Discount
Available on select loans with automatic payments from a St. Mary’s Bank checking account.

Federally Insured NCUA. Equal Opportunity Lender.