Consumer Loans Rates

Rate information is current as of: January 20, 2012. Rates and fees are subject to change without notice.

New and Used Auto Loan Rates
Motorcycle, Boat and RV Loan Rates
Home Equity Line and Loan Rates
Other Consumer Loans

Auto Loans - Rates Starting At…

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees**
Auto Model Year 2011 & 2012	2.24%	2.24%	up to 63 mo.	$16.84	$50
	2.44%	2.44%	64-69 mos.	$15.55	$50
	3.74%	3.74%	70-75 mos.	$14.97	$50
	5.14%	5.14%	76-84 mos.	$14.20	$50
Auto Model Year 2010	2.50%	2.50%	up to 60 mo.	$17.75	$50
	3.25%	3.25%	61-66 mos.	$16.57	$50
	3.75%	3.75%	67-72 mos.	$15.53	$50
	3.95%	3.95%	73-75 mos.	$15.07	$50
Auto Model Year 2009	2.99%	2.99%	up to 60 mo.	$17.97	$50
	3.29%	3.29%	61-66 mos.	$16.59	$50
	3.84%	3.84%	67-72 mos.	$15.57	$50
Auto Model Year 2008	3.04%	3.04%	up to 60 mo.	$17.99	$50
Auto Model Year 2008	3.50%	3.50%	61-66 mos.	$16.68	$50
Auto Model Year 2007	3.30%	3.30%	up to 48 mo.	$22.27	$50
Auto Model Year 2007	3.45%	3.45%	49-60 mos.	$18.17	$50
Auto Model Year 2006	5.25%	5.25%	up to 42 mo.	$26.12	$50
Auto Model Year 2006	5.50%	5.50%	43-48 mos.	$23.26	$50
Auto Model Year 2005 & older	6.00%	6.00%	up to 36 mo.	$30.42	$50

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Motorcycle, Boat & RV Loans - Rates Starting At…

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees**
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV (Model year 2004 and newer)	6.75%	6.75%	up to 60 mo.	$19.69	$50
RV & Boats (Model Year 2004 and newer)	6.75%	6.75%	up to 60 mo.	$19.69	$50
	7.75%	7.75%	61-84 mos.	$15.47	$50
	8.75%	8.75%	85-120 mos.	$12.54	$50

Title, UCC & VSI fees will be charged when necessary

*Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR based on $10,000 financed, except for 72-75 month term Auto which is based on the $15,000 minimum loan amount, and 76 -84 month term Auto which is based on the $25,000 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.

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

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Home Equity Lines of Credit*

Loan Type	Interest Rate	APR	Term	LTV	Fees****
Home Equity Line of Credit: $10,000 - $250,000**	prime+0	prime+0	180 mo.	up to 80%	$50/year
Home Equity Line of Credit: $25,000 - $250,000***	prime minus .25	prime minus .25	180 mo.	up to 80%	$50/year

*For 1-4 family owner occupied primary residences only. If a line of credit agreement is paid in full and closed within 3 years of activation, a prepayment fee of $350 applies. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee.

**SMB Prime is based on the Wall Street Journal prime rate and may change without notice. 16% Cap, 4% Floor. 80% CLTV.

***$10,000 Minimum advance at closing. SMB Prime is based on the Wall Street Journal prime rate and may change without notice. 16% Cap, 3.25% Floor. 80% CLTV

**** Annual fee waived with automatic payment from a St. Mary's Bank Beyond Checking account.

Home Equity Loans*

Loan Type	Interest Rate	APR**	Term	LTV	Monthly Payment per $1,000
Home Equity Loan: $10,000-$250,000	4.49%	4.49%	up to 60 mo.	up to 80%	$18.64
	5.49%	5.49%	61-120 mos.	up to 80%	$10.85
	6.49%	6.49%	121-180 mos.	up to 80%	$8.71

*For 1-4 family owner occupied primary residences only--80% CLTV. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $350 applies. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee.

**Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. APR is based $10,000 amount financed for maximum term.

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Equity Loan Mortgage Alternative*

Loan Type	Interest Rate	APR**	Term	LTV	Monthly Payment per $1,000
Equity Loan Mortgage Alternative: $50,000-$417,000	3.99%	3.99%	up to 120 mo.	up to 80%	$10.12
Equity Loan Mortgage Alternative: $50,000-$417,000	4.49%	4.49%	121-180 mos.	up to 80%	$7.65

*For 1 to 4 family owner occupied primary residence NH properties only. 1st Mortgage position required. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $750 applies. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee.

**Annual Percentage Rate based on $50,000 minimum loan amount financed for maximum term and reflects 0.50% discount with automatic funds transfer from a St. Mary’s Bank Beyond Checking account.

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The following fees are waived*

Loan Type	Fee
Equity Loan/Line Appraisal	Single Family = $175 2-4 Family = $500 (Waived)*
Flood Certificate	$11 (Waived)*
Legal Work	$200 ($225 if amount borrowed exceeds $50,000) plus registry fees (Waived)*

*St. 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.

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Home Improvement Loans* - Rates Starting At...

Loan Type	Interest Rate	APR	Term	LTV	Monthly Payment per $1,000
Home Improvement Loan $10,000 maximum	10.75%	10.75%**	up to 60 mo.	n/a	$21.61
Green Rate Home Improvement Loan**** $10,000 maximum	5.99%	5.99%***	up to 60 mo.	n/a	$19.33

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

**Annual Percentage Rate (APR) reflects 0.25% 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.

***Annual Percentage Rate (APR) based on loan amount of $10,000 and reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

****For energy saving home improvement projects

Personal Unsecured Loans - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees**
Personal Unsecured	9.99%	9.99%	up to 48 mo.	$25.36	$50

*Annual Percentage Rate (APR) reflects 0.25% 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.

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

Credit Builder Loans

Loan Type	Interest Rate	APR	Term	Monthly Payment per $500.00	Fees
Credit Builder	7.74%	7.74%*	up to 24 mos	$22.56	none
Credit Builder Plus	7.74%	7.74%**	up to 48 mos	$12.15	none

*Annual Percentage Rate (APR) reflects 0.25% 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.

**Annual Percentage Rate (APR) reflects 0.25% 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.

Bill Consolidation Loans - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees
Bill Consolidation (Unsecured)	9.99%	9.99%	up to 48 mo.	$25.36	none

*Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account. Annual Percentage Rate (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.

Overdraft Protection

Loan Type	Interest Rate	APR	Fees
Overdraft Protection	18.00%	18.00%	$20 per Year

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Membership is open to anyone with the purchase of one share of capital stock for $5.