Rates

Rates are accurate as of

Savings Accounts - Statement, Passbook And Ultra Savings

	Minimum Opening Deposit	Dividend Rate	APY
Statement Account	$10	0.747%	0.750%
Passbook Account	$10	0.747%	0.750%
Ultra Savings Account (Regular)	$10,000	1.489%	1.50%
Ultra Savings Account (Jumbo)	$100,000	1.980%	2.00%

• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year.
• Dividends compounded daily and credited monthly.
• A $10 minimum deposit is required to open a Statement or Passbook Savings Account.
• Account transfer limitations apply
• Membership eligibility required.
• All interest rates and terms are subject to change without notice.
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.
• Fees may reduce earnings.

Ultra Savings Account - Account withdrawal limitations (including transfers out of the account) of two (2) per month. Balances below $10,000 earn 0.75%. Requires $500 minimum monthly direct deposit to any St. Mary's Credit Union Account. If the required minimum direct deposit is not maintained, the Ultra Savings Account will automatically convert to the savings account rates, fees, and terms of a regular statement share savings account. $25 fee per withdrawal or transfer of over two per month. The Ultra Savings Account is not available on DBA or organizational accounts.

No Fee Checking, High Rate Checking, and Interest On Lawyers Trust Accounts (IOLTA)

	Minimum Opening Deposit	Dividend Rate	APY
NOW Account	$10	0.150%	0.15%
High Rate Checking
Tier 1	$0 - $49,999	1.143%	1.15%
Tier 2	$50,000 to $99,999	1.735%	1.75%
Tier 3	$100,000 +	1.833%	1.85%
IOLTA Accounts	$10.00	1.730%	1.75%

• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year
• Dividends compounded daily and credited monthly
• A $5,000 minimum deposit is required to open a High Rate Checking Account
• A $10 minimum deposit is required to open an IOLTA or No Fee Checking Account  
• Membership eligibility required.
• All interest rates and terms are subject to change without notice.
• High Rate Checking Account requires direct deposit relationship or active usage of electronic bill payment service, and is subject to $6 monthly fee if the daily account balance falls below $5,000. High Rate Checking is not available with DBA accounts.
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.
• Fees may reduce earnings.

Money Market Checking

	Dividend	APY
Balances less than $10,000	1.094%	1.100%
Balances $10,000 to $24,999	1.242%	1.25%
Balances$25,000 to $49,999	1.489%	1.50%
Balances $50,000 to $99,999	1.882%	1.90%
Balances $100,000 and More	1.980%	2.00%

• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year.
• Membership eligibility required.
• Account transfer limitations apply
• All interest rates and terms are subject to change without notice.
• A $10 minimum balance is required to open money market account.
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.
• Fees may reduce earnings.

Certificates and IRA's

	Certificates		IRA
Term	Interest Rate	APY	Interest Rate	APY
3 months	2.436%	2.50%	n/a	n/a
6 months	2.676%	2.75%	2.676%	2.75%
12 months	3.011%	3.10%	3.011%	3.10%
15 month special	3.631%	3.75%	3.631%	3.75%
18 months	3.155%	3.25%	3.155%	3.25%
24 months	3.202%	3.30%	3.202%	3.30%
30 months	3.202%	3.30%	3.202%	3.30%
36 months	3.393%	3.50%	3.393%	3.50%
48 months	3.393%	3.50%	3.393%	3.50%
60 months	3.631%	3.75%	3.631%	3.75%

• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year. St. Mary's Credit Union may offer other rates from time-to-time. Rates are not guaranteed to be available at the time of each rollover.
• Interest compounded daily and credited monthly
• Fixed rate
• IRA is an Individual Retirement Account
• Transaction limitations - After your account is opened, you may make withdrawals subject to the early withdrawal penalties. You may not make additional deposits during the term of your account, however additional deposits are allowed at maturity.
• $500 minimum opening deposit
• Membership eligibility required.
• All interest rates and terms are subject to change without notice.
• Certificates renew automatically upon maturity
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.
• Fees may reduce earnings.

Bump-Up Certificates and IRA's

	Certificates		IRA's
Term	Interest Rate	APY	Interest Rate	APY
30 Months Regular	3.202%	3.30%	3.202%	3.30%
30 Months Jumbo	3.202%	3.30%	3.202%	3.30%

• One bump-up in rate allowed during the 30 month term to the current 30 month rate at the time of the bump-up.
• Upon maturity, 30 month bump-up products automatically renew at 30 month rate in effect at time of renewal.
• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year. St. Mary's Credit Union may offer other rates from time-to-time. Rates are not guaranteed to be available at the time of each rollover.
• IRA is an Individual Retirement Account
• Transaction limitations - After your account is opened, you may make withdrawals subject to the early withdrawal penalties. You may not make additional deposits during the term of your account. However, additional deposits are allowed at maturity.
• $500 minimum opening deposit - Regular CD
• $100,000 minimum opening deposit - Jumbo CD
• Membership eligibility required.
• All interest rates and terms are subject to change without notice.
• Certificates renew automatically upon maturity.
• Interest compounded daily and credited daily.
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.
• Member must request bump-up or the rate will not increase.
• Fees may reduce earnings

E-mail the Member Service Department for more details.

Jumbo Certificates and IRA's

	Certificates		IRA's
Term	Interest Rate	APY	Interest Rate	APY
3 months	2.436%	2.50%	n/a	n/a
6 months	2.676%	2.75%	2.676%	2.75%
12 months	3.011%	3.10%	3.011%	3.10%
15 month special	3.631%	3.75%	3.631%	3.75%
18 months	3.155%	3.25%	3.155%	3.25%
24 months	3.202%	3.30%	3.202%	3.30%
30 months	3.202%	3.30%	3.202%	3.30%
36 months	3.393%	3.50%	3.393%	3.50%
48 months	3.393%	3.50%	3.393%	3.50%
60 months	3.631%	3.75%	3.631%	3.75%

• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year. St. Mary's Credit Union may offer other rates from time-to-time. Rates are not guaranteed to be available at the time of each rollover.
• IRA is an Individual Retirement Account
• Transaction limitations - After your account is opened, you may make withdrawals subject to the early withdrawal penalties. You may not make additional deposits during the term of your account. However, additional deposits are allowed at maturity.
• $100,000 minimum opening deposit.
• Membership eligibility required.
• All interest rates and terms are subject to change without notice.
• Certificates renew automatically upon maturity.
• Interest compounded daily and credited daily.
• Fixed rate
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.
• Fees may reduce earnings.

E-mail the Member Service Department for more details.

Club Accounts

	Minimum Opening Deposit	Dividend Rate	APY
Christmas Statement	$10	0.747%	0.750%
Vacation Statement	$10	0.747%	0.750%

• APY is the Annual Percentage Yield. APY assumes that funds remain on deposit for one year.
• Dividends compounded daily and credited monthly.
• Account transfer limitations apply.
• Membership eligibility required.
• All interest rates and terms are subject to change without notice.
• Details of rates, fees, terms and limitations applicable to your account at St. Mary's Credit Union are provided at the time of account opening.

Auto Loans (up to $100,000)

2009 - 2006 vehicle rates as low as 4.75% APR, available for purchase or refinance.

2005 vehicle rates as low as 6.50% APR, available for purchase or refinance.

2004 vehicle rates as low as 7.00% APR, available for purchase or refinance.

2003 vehicle rates as low as 7.75% APR, available for purchase or refinance.

Interest rate disclosed based upon repayment term selected, credit score and includes a 0.50% AutoPay discount that is available when loan payments are made via a direct deduction from a St. Mary's Credit Union statement account. Contact the Loan Department for additional terms and details.

• APR is the Annual Percentage Rate
• Membership is required to borrow from St. Mary's Credit Union.
• All rates are subject to change without prior notice.
• For model year 2002 and older vehicles, please contact the loan department for current rates and terms.
• Maximum loan-to-value 100%

Recreational Vehicle/Motorcycle Loans (up to $100,000)

2009 - 2006, rates as low as 7.00% APR, available for purchase or refinance.

2005 - Older, rates as low as 9.75% APR, available for purchase or refinance.

Interest rate disclosed based upon repayment term selected, credit score and includes a 0.50% AutoPay discount that is available when loan payments are made via a direct deduction from a St. Mary's Credit Union statement account. Contact the Loan Department for additional terms and details.

• APR is the Annual Percentage Rate.
• Membership is required to borrow from St. Mary's Credit Union.
• Maximum loan-to-value 80%.

Mobile Home Loans (up to $125,000)

Term Mobile Home	APR with Auto Pay	Cost Per $1,000
180 Months or Less	8.250%	*$9.71
181 - 240 Months	9.250%	**$9.17

• APR is the Annual Percentage Rate.
• Membership is required to borrow from St. Mary's Credit Union.
• Auto Pay requires a direct deduction of your monthly payment from a statement share account at St. Mary's Credit Union. Rates are 0.50% higher than the rates disclosed above without the AutoPay discount.
• Additional terms and conditions may apply.
• All rates are subject to change without prior notice.
• Appraisal fees and UCC recording fees to be paid by member.
• Maximum Loan To Value 80%
• * Based on 180 month term.
• ** Based on 240 month term.

Personal Loans (up to $15,000)

Personal Loans with rates as low as 11.25% APR

Interest rate disclosed based upon repayment term selected, credit score and includes a .50% AutoPay discount that is available when loan payments are made via a direct deduction from a St. Mary's Credit Union statement account. Contact the Loan Department for additional terms and details.

• APR is the Annual Percentage Rate.
• Membership is required to borrow from St. Mary's Credit Union.

Conventional First Mortgage Rates

• One to four family owner-occupied properties, non-rental second homes, and owner-occupied condominium units, which meet all secondary market requirements.
• 95% maximum loan-to-value also available up to $417,000, and private mortgage insurance (PMI) is required at an additional cost.
• Fixed Rate Loans and Adjustable Rate Loans are available, please click the rates button below for current rates.  

       

Jumbo First Mortgage Loans from $417,001 to $1,150,000

• 95% maximum loan-to-value, and private mortgage insurance (PMI) is required at an additional cost.
• Owner occupied single family, non-rental second homes or owner-occupied condominiums, which meet all secondary market requirements.
• Fixed Rate Loans and Adjustable Rate Loans are available, please click the rates button below to get a personalized quote.

       

First Time Home Buyer Mortgage

• 95% maximum loan-to-value available up to $417,000, private mortgage insurance (PMI) required at additional cost.
• Maximum repayment term is (40) years.
• Owner occupied one and two family homes and owner-occupied condominium units, which meet all secondary market requirements.
• No previous home ownership over the previous (48) forty-eight months.
• Direct deposit of net pay and automatic loan payment required.
• 7/1 Year Adjustable Rate Loans are available, please click the rates button below for current rates. 

       

 Definition of Terms:

APR = Annual Percentage Rate
ARM = Adjustable Rate Mortgage
PMI = Private Mortgage Insurance
AUTOPAY = Automatic deduction from a St. Mary's Credit Union account.

Notes:

• Membership in the Credit Union is required.
• No prepayment penalties.
• Additional terms and conditions may apply to loan products.
• Please refer to St. Mary's Credit Union's Mortgage Web Center and loan packages for details.
• All interest rates and terms are subject to change without notice.

Home Equity Lines of Credit (Now Up To $500,000)

Draw Term	Repayment Term	Required Equity	Rate	APR
10 years	15 years	20%	Prime less 0.76%	Prime less 0.76%

• APR is the Annual Percentage Rate
• One to four-family owner-occupied properties, non-rental second homes and condominium unit loans that are Fannie Mae approved or meet the Fannie Mae Limited Review.
• Maximum loan to value is 80%.
• No origination, closing, or maintenance fees.
• No prepayment penalty.
• The rate will be set on a monthly basis at the prime rate, less 0.76%, as published in The Wall Street Journal on the first business day of each month. The current Prime Rate is 5.00%
• 0% is the lowest possible rate, with 12% the maximum possible rate.
• During the initial ten-year draw period, you will be billed monthly for interest only at the prime rate (as adjusted monthly) less 0.76%.
• During the subsequent fifteen-year repayment period, you will be billed monthly at the prime rate (as adjusted monthly) less 0.76%, plus 1/180th of the balance of principal as of the end of the draw period.
• An appraisal will be required on loan amounts greater than $250,000 and the applicant will incur the appraisal cost if the appraisal is required or requested. 
• Membership in the Credit Union is required.
• Mortgage Discharge fee to the Commonwealth of Massachusetts may apply for mortgage refinance requests.
• Homeowners insurance is required.
• Appraisal fees may be required upon submission of application. 
• Additional terms and conditions may apply to loan products.
• Please refer to a complete loan package for details.

Fixed Rate Home Equity Loans (Now Up To $500,000)

Select any term up to 20 years! Terms listed below are sample illustrations for 5, 10, 15 and 20 year terms. NO CLOSING COSTS!

Term	Required Equity	APR with AutoPay	Cost per $1,000
5 Years	20%	5.75%	$19.22
10 Years	20%	6.25%	$11.23
15 Years	20%	6.50%	$8.71
20 Years	20%	6.75%	$7.60

• Rates are 0.25% higher than rates disclosed above without AutoPay discount.
• APR is the Annual Percentage Rate.
• No origination, closing, or maintenance fees.
• One to four-family owner-occupied properties, non-rental second homes and condominium unit loans that are Fannie Mae approved or meet the Fannie Mae Limited Review.
• Maximum loan to value is 80%. 
• An appraisal will be required on loan amounts greater than $250,000 and the applicant will incur the appraisal cost if the appraisal is required or requested. 
• Membership in the Credit Union is required.
• Mortgage Discharge fee to the Commonwealth of Massachusetts may apply for mortgage refinance requests.
• All interest rates and terms are subject to change without notice.

Home Improvement Loans (Up To $125,000)

Term in Months	Required Equity	APR with AutoPay	Cost per $1,000
15 Years	20%	6.50%	$8.67

• APR is the Annual Percentage Rate
• One to two family owner-occupied properties located in Massachusetts, excluding condominiums.
• Three to four family owner occupied properties with a maximum loan to value of 80%.
• An interest rate discount is offered with automatically withdrawn payments.
• Membership in the Credit Union is required.
• An appraisal will be required if the loan amounts greater than $250,000 and the applicant will incur an appraisal cost if the appraisal is required or requested.
• Additional terms and conditions, including closing costs, may apply to loan products. Please refer to a complete loan package for details.
• All interest rates and terms are subject to change without notice.
• Home improvement loans must be exclusively for home improvements.