Skip to main content

Consumer Loan Rates

Rate information is current as of: September 20, 2024.

Auto Loans

Apply Now
Auto Loans
Loan Type Term Interest Rate APR 1 Monthly Payment per $1,000 for max term Fees 2
Auto Model Year 2022 to 2024 up to 63 mos. 5.99% 5.99% $18.54 $50
64 - 75 mos. 6.19% 6.19% $16.12 $50
76 - 84 mos.3
6.89% 6.89% $15.04 $50
Auto Model Year 2017 to 2021 up to 63 mos. 6.19% 6.19% $18.64 $50
64-75 mos. 6.79% 6.79% $16.40 $50
76 - 84 mos.3
7.39% 7.39% $15.29 $50
Auto Model Year 2015 to 2016 up to 36 mos. 6.99% 6.99% $30.87 $50
37 - 63 mos. 7.49% 7.49% $19.25 $50
Auto Model Year 2009 to 2014 up to 36 mos. 7.99% 7.99% $31.33 $50
37 - 63 mos. 8.49% 8.49% $19.73 $50
Show Hide Important Disclosures, Assumptions and APR Information
Show Disclaimer Hide Disclaimer

$25 Title, $96 UCC, and $125 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. Maximum vehicle mileage 125,000


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

Recreational Toy Loans

Apply Now
Loan Type Term Interest Rate APR 1 Monthly Payment per $1,000 for max term Fees 2
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2022 to 2024 up to 36 mos. 7.90% 7.90% $31.29 $50
37 - 48 mos.
8.20% 8.20% $24.51 $50
49 - 60 mos.
8.40% 8.40% $20.47 $50
61 - 72 mos.
9.60% 9.60% $18.32 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2017 to 2021 up to 36 mos. 8.90% 8.90% $31.75 $50
37 - 48 mos.
9.20% 9.20% $24.98 $50
49 - 60 mos.
9.40% 9.40% $20.95 $50
61 - 72 mos.
10.60% 10.60% $18.83 $50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, ATV, & UTV Model Year 2015 to 2016 up to 36 mos. 10.00% 10.00% $32.27 $50
37 - 48 mos.
10.30% 10.30% $25.51 $50
49 - 60 mos. 10.50% 10.50% $21.49 $50
Show Hide Important Disclosures, Assumptions and APR Information
Show Disclaimer Hide Disclaimer

$25 Title, $96 UCC, and $125 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.

Boats & RV Loans

Apply Now
Loan Type Term Interest Rate APR 1 Monthly Payment per $1,000 for max term Fees 2
RV & Boats Model Year 2014 and Newer*
up to 84 mos. 10.05% 10.05% $16.63 $50
85 - 120 mos. 10.31% 10.31% $13.39 $50
Show Hide Important Disclosures, Assumptions and APR Information
Show Disclaimer Hide Disclaimer

* Up to $100,000. Boats not to exceed 25 feet in length.

$25 Title, $96 UCC, and $125 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. APR based on $10,000 financed, except for 85 -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

Apply Now
Loan Type Term Interest Rate APR 2 Monthly Payment per $1,000 for max term 3 CLTV 4 Fees 5
Home Equity Line with Lock Option
Variable, Revolving6
7.750% (Prime minus .25) 7.750% (Prime minus .25) Interest only up to 80% $50 annual fee per year
Fixed up to 36 mos.
6.500% 6.836% $30.80 up to 80% $50 lock fee
Fixed up to 60 mos. 6.750% 6.959% $19.78 up to 80% $50 lock fee
Fixed up to 120 mos. 7.000% 7.113% $11.67 up to 80% $50 lock fee
Show Hide Important Disclosures, Assumptions, and APR Information
Show Disclaimer Hide Disclaimer

 

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 $675 - $1,275.

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 8.00%. 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-$600; 2-4 Family = $400-$800 (Waived)1

Equity Line Automated Valuations

$58-$80 - This valuation method is used for Equity Lines of Credit up to $250,000 (Waived)1

Flood Certificate

$11 (Waived)1

Legal Work

$525 plus registry fees (Waived)1


 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

Apply Now
Loan Type Term Interest Rate APR 2 LTV Monthly Payment per $1,000 for max term
Home Improvement Loan up to $25,000
up to 60 mos.
10.39% 10.39% n/a $21.44
61 - 84 mos.
10.64% 10.64% n/a $16.94
Green Rate Home Improvement Loan3 up to $25,000 up to 84 mos. 7.64% 7.64% n/a $15.41
Show Hide Important Disclosures, Assumptions, and APR Information
Show Disclaimer Hide Disclaimer

1For 1-4 family owner occupied primary residences only.

2Annual Percentage Rate (APR) reflects 0.10% discount 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.

3For energy saving home improvement projects

Credit Cards

Want to be rewarded for your purchases? We have credit card options to meet you where you're at, whether you want to earn rewards or just want to build credit, we've got you covered.

Credit Builder Loans

Call to Apply
Loan Type Term Interest Rate APR Monthly Payment per $500 for max term Fees
Credit Builder
up to 24 mos.
7.89% 7.89%1 $22.60 none
Credit Builder Plus
up to 48 mos.
7.89% 7.89%2 $12.18 none
Show Hide Important Disclosures, Assumptions, and APR Information
Show Disclaimer Hide Disclaimer

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.

Personal Unsecured Loans

Apply Now
Loan Type Term Interest Rate APR 1 Monthly Payment per $1,000 for max term Fees 2
Personal Unsecured up to $15,000 up to 48 mos. 12.39% 12.39% $26.53 $50
49 - 60 mos. 
13.39% 13.39% $22.96 $50
Show Hide Important Disclosures, Assumptions, and APR Information
Show Disclaimer Hide Disclaimer

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.

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

Overdraft Protection

Call to Apply
Loan Type Interest Rate APR Fees
Overdraft Protection 18.00% 18.00% $25 per year

More Rates