Your home equity can turn into funding for nearly anything. Use it to finance any of your needs, from education to home renovation.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • The property must be a 1-4 family owner occupied residence
  • GREAT RATES - accommodating repayment terms that work uniquely for you, 5 to 20 years
  • Ideal for those special, one-time projects or paying off extra expenses
  • One time immediate payout to you or your creditors
  • Monthly principal and interest payments
  • Use the existing equity in your home - up to 90% of the value - as collateral 
  • No closing costs1  
  • Set up automatic payments form your St. Mary's Account for the best interest rate
  • The interest paid might be tax deductible2
  • Quick, local processing and decision-making
  • Attentive, friendly service from start to finish
  • Check today's Home Equity Loan rates

1Excludes any discharge or special legal recording fees
2Consult a tax advisor.

If you need to access cash quickly for a large purchase or unexpected expense, a home equity line of credit lets you get the money you need without having to reapply every time you need it. Put your home's equity to work for you!

  • The property must be a 1-4 family owner occupied residence
  • GREAT RATES - The interest rate is adjustable and tied to the Prime Rate as published in The Wall Street Journal minus 50 basis points (-0.50%APR) for the life of the loan, subject to minimum interest rate of 3.25%APR and maximum rate of 12.00%APR
  • 10 year interest only draw period, followed by a 15 year repayment period
  • Ideal for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • Revolving credit - as principal is repaid, funds become available for use again
  • Use the existing equity in your home - up to 80% of the value - as collateral
  • No Closing Costs1
  • Funds easily available via in-person or automated phone and online transfers to a specified St. Mary’s Credit Union checking account
  • The interest paid might be tax deductible2
  • Set up automatic payments to be deducted from your account monthly
  • Quick, local processing and decision-making
  • Attentive, friendly service from start to finish
  • Check today's Home Equity Line of Credit rates

1Excludes any discharge or special legal recording fees
2Consult a tax advisor.