Rates

Consumer Loans Rates

Rate information is current as of: January 5, 2009

Rates and fees are subject to change without notice.

Auto, Motorcycle, Boat & RV Loans - Rates Starting At…

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees
New Autos (Model year 2008 & 2009)	4.89%	5.083%	up to 63 mo.	$18.12	$50
	5.25%	5.470%	64-69 mos.	$16.90	$50
	5.90%	6.009%	70-75 mos.	$16.03	$50
	7.30%	7.358%	76-84 mos.	$15.27	$50
Used Autos (Model year 2008 & 2009)	5.70%	5.894%	up to 63 mo.	$18.49	$50
	6.00%	6.178%	64-69 mos.	$17.26	$50
	6.50%	6.610%	70-75 mos.	$16.32	$50
	7.85%	7.909%	76-84 mos.	$15.55	$50
Used Autos (Model year 2007)	5.70%	5.902%	up to 60 mo.	$19.29	$50
	6.20%	6.386%	61-66 mos.	$18.01	$50
	6.60%	6.714%	67-72 mos.	$16.92	$50
	7.10%	7.210%	73-75 mos.	$16.61	$50
Used Autos (Model year 2006)	6.15%	6.353%	up to 60 mo.	$19.50	$50
	6.65%	6.837%	61-66 mos.	$18.22	$50
	7.25%	7.364%	67-72 mos.	$17.23	$50
Used Auto (Model year 2005)	7.00%	7.204%	up to 60 mo.	$19.90	$50
	7.50%	7.688%	61-66 mos.	$18.63	$50
	8.20%	8.315%	67-72 mos.	$17.69	$50
Used Auto (Model year 2004)	8.15%	8.400%	up to 48 mo.	$24.60	$50
	8.25%	8.455%	49-60 mos.	$20.50	$50
	8.75%	8.939%	61-66 mos.	$19.24	$50
Used Auto (Model year 2003)	8.50%	8.750%	up to 48 mo.	$24.77	$50
Used Auto (Model year 2003)	9.00%	9.026%	49-60 mos.	$20.86	$50
Used Auto (Model year 2002 & older)	9.75%	10.001%	up to 48 mo.	$25.36	$50
Used Auto (Model year 2002 & older)	10.00%	10.207%	49-60 mos.	$21.35	$50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV (Model year 2001 and newer)	7.50%	7.712%	up to 60 mo.	$20.14	$50
	8.50%	8.623%	61-72 mos.	$17.84	$50
Motorcycle, Snowmobile, Personal Watercraft, Scooter, & ATV (Model year 2000 and older)	9.50%	9.717%	up to 60 mo.	$21.11	$50
	10.50%	10.626%	61-72 mos.	$18.85	$50
RV & Boats (Model Year 2003 and newer)	10.50%	10.719%	up to 60 mo.	$21.60	$50
	9.75%	9.913%	61-84 mos.	$16.56	$50
	8.00%	8.118%	85-120 mos.	$12.20	$50
	8.25%	8.320%	121-144 mos.	$11.01	$50
RV & Boats (Model Year 2006 to 2007 New Models Only)	8.50%	8.538%	145-180 mos.	$9.87	$50
RV & Boats (Model Year 2002 & older)	12.50%	12.724%	up to 60 mo.	$22.61	$50
	11.75%	11.918%	61-84 mos.	$17.61	$50
	10.00%	10.123%	85-120 mos.	$13.28	$50
	10.25%	10.324%	121-144 mos.	$12.14	$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, 76-84 month term Auto which is based on the $25,000 minimum loan amount, 144 month term RV & Boats which is based on the $15,000 minimum loan amount, 180 month term RV & Boats which is based on the $25,000 minimum loan amount and 72 month term motorcycle which is based on the $15,000 minimum loan amount. APR and term are based on evaluation of applicant's credit and the actual rate and/or term may vary. We use risk-based pricing to determine the interest rate and/or term.

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Personal Loans - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees
Personal Unsecured	13.49%	15.440%	up to 24 mo.	$48.70	$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 $2,500. Based on maximum terms. APR is based on evaluation of applicants credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Bill Consolidation Loans - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	Monthly Payment per $1,000	Fees
Bill Consolidation (Unsecured)	13.74%	13.740%	up to 24 mo.	$48.82	none

*Annual Percentage Rate (APR) based on loan amount of $2,500. Based on maximum terms. APR is based on evaluation of applicants credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

MyPay Line of Credit

Loan Type	Interest Rate	APR	Term	Fees
MyPay Line of Credit	18.00%	18.00%	Revolving	$15 to $25 / year

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Home Improvement Loans** - Rates Starting At...

Loan Type	Interest Rate	APR*	Term	LTV	Monthly Payment per $1,000
Home Improvement Loan: $5,000 maximum	10.75%	10.75%	up to 48 mo.	n/a	$32.14

*Annual Percentage Rate (APR) reflects 0.25% discount for automatic frunds transfer from a St. Mary's Bank Beyond Checking account. APR based on loan amount of $5,000, 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.

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

To become a member of St. Mary's Bank, you must purchase one $5.00 share of capital stock.

Home Equity Loans*

Loan Type	Interest Rate	APR**	Term	LTV	Monthly Payment per $1,000
Home Equity Loan: $10,000-$250,000	6.24%	6.24%	up to 60 mo.	up to 80%	$19.45
	6.49%	6.49%	61-120 mos.	up to 80%	$11.35
	6.74%	6.74%	121-180 mos.	up to 80%	$8.85

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

**Annual Percentage Rate (APR) reflects .025% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account, and is based on loan amount of $10,000.

Home Equity Lines of Credit*

Loan Type	Interest Rate**	APR	Term	LTV	Fees
Home Equity Line of Credit: $10,000 - $250,000	prime+0	cap 16%	180 mos	up to 80%	$50/year
Home Equity Line of Credit: $50,000 - $250,000***	prime minus .51	cap 16%	180 mo.	up to 80%	$50/year

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

**SMB Prime is based on the Wall Street Journal prime rate and is subject to increase after loan documents are signed.

***$25,000 Minimum advance at closing. If a line of credit agreement is paid in full and closed within 2 years of activation, a prepayment fee of $250 applies.

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)*

Waived Fees

*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.