APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed below are accurate as of November 23, 2022 and may change at any time without notice. Rates may change after account is opened.

APYs assume that funds remain on deposit for one year unless otherwise indicated, dividends are compounded daily and credited monthly. Fees may reduce earnings.

St. Mary's Credit Union membership eligibility is required for all accounts. Details of rates, terms and limitations are provided during account opening and are available at any branch location.

Deposit Rates

Product Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit to Open
15 Month Special CD  $500.00 2.92% 3.00% $500.00
15 Month Special Relationship CD  $500.00 3.15% 3.25% $500.00
18 Month CD & IRA $500.00 2.92% 3.00% $500.00
18 Month Relationship CD & IRA $500.00 3.15% 3.25% $500.00
15 Month Special - Relationship Jumbo CD $100,000 3.39% 3.25% $100,000

For a complete list of all our CD rates, click here.

 

 

Checking Deposit Accounts

Program Minimum Daily Balance to earn APY Dividend Rate APY* Min. Deposit to Open
No Fee Checking1 $0.01 0.00% 0.00% $10.00 
Relationship Checking2 $0.01  0.40%  0.40%  $2,500.00 
Relationship Checking2 $5,000.01  0.10%  0.10%  $2,500.00 

1 No Fee Checking Rate is subject to change at any time without notice.

2 Relationship Checking requires direct deposit and a combined average daily deposit balance of $20,000 or more to earn 0.40% on first $5,000.00 and 0.10% on balances above $5,000.00. The combined average daily deposit balance of $20,000 is for all deposit accounts for the same tax reported owner, except commercial or business accounts. If these requirements are not maintained, the Relationship Checking will not receive ATM fee reimbursements, you will not be eligible to receive preferred CD rates for new or renewing CDs, and the Relationship Checking rates will convert to a non-qualified rate. A $15 monthly fee will apply if the average daily account balance falls below $2,500.00. Rate is subject to change at any time without notice.

 

Money Market Learn More

Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit to Open
$0.01 0.05% 0.05% $10.00
$10,000.00 0.05% 0.05% $10.00
$25,000.00 0.10% 0.10% $10.00
$50,000.00 0.30% 0.30% $10.00
$100,000.00 0.40% 0.40% $10.00

Money Market Checking allows for six (6) withdrawals or transfers made by check, preauthorized transfer or electronic/telephone transfer per month. $5 per withdrawal in excess thereafter; more than 3 months of exess withdrawals in a 12 month period and account will convert to a No Fee Checking Account. Rate is subject to change at any time without notice.

Savings Deposit Accounts

Program Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit to Open
Statement & Passbook Savings1 $0.01 0.05% 0.05% $10.00
IRA Saving2 $0.01 0.10% 0.10% $10.00
Christmas & Vacation Clubs3 $0.01 0.15% 0.15% $10.00

1 Statement and Passbook Savings allow for six (6) withdrawals of transfers made by preauthorized transfer or electronic/telephone transfer per month. $5 per withdrawal in excess thereafter; more than 3 months of exess withdrawals in a 12 month period and account will convert to a No Fee Checking Account. Rate is subject to change at any time without notice.

2 IRA Savings annual contribution limits apply. The IRS may impose penalties for withdrawals made before the age of 59 1/2, Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rate is subject to change at any time without notice.

3 Christmas and Vacation Clubs allow for six (6) withdrawals or transfers made by preauthorized transfer or electronic/telephone transfer per statement cycle. Rate is subject to change at any time without notice.

Certificate & IRA Rates

Certificates & Individual Retirement Accounts Learn More

Term Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit
3 Month $500.00 0.15% 0.15% $500.00
6 Month  $500.00 0.59% 0.60% $500.00
12 Month $500.00 0.64% 0.65% $500.00
15 Month Special* $500.00 2.92% 3.00% $500.00
18 Month $500.00 2.92% 3.00% $500.00
24 Month $500.00 2.92% 3.00% $500.00
36 Month $500.00 1.13% 1.15% $500.00
48 Month $500.00 1.23% 1.25% $500.00 
60 Month $500.00 1.23% 1.25%  $500.00 

 

Certificate and IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs.For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

*15 Month Special CD will automatically renew as a regular 12 Month CD upon initial maturity. 15 Month CD Special is not available as an IRA CD and are for Consumer Accounts Only.

Relationship Certificates & Individual Retirement Accounts Learn More

Term Min Daily Balance to earn APY Dividend Rate APY Min. Deposit
3 Month $500.00 0.30% 0.30% $500.00
6 Month  $500.00 0.74% 0.75% $500.00
12 Month $500.00 0.79% 0.80% $500.00
15 Month Special* $500.00 3.15% 3.25% $500.00
18 Month $500.00 3.15% 3.25% $500.00
24 Month $500.00 3.15% 3.25% $500.00
36 Month $500.00 1.37% 1.40% $500.00
48 Month $500.00 1.47% 1.50% $500.00 
60 Month $500.00 1.47% 1.50%  $500.00 

 

To obtain the preferred Relationship CD/IRA rates, you must maintain all requirements of the Relationship Checking account. If all requirements are not maintained, the Relationship Checking account will not be eligible to receive preferred CD/IRA rates for new or renewing CDs/IRAs. Relationship Certificate and IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits cannot be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

*15 Month Special CD will automatically renew as a regular 12 Month CD upon initial maturity. 15 Month CD Special is not available as an IRA CD and are for Consumer Accounts Only.

Relationship CD pricing includes:
.15% premium to APY for terms up to 12 months
.25% premium to APY for terms longer than 12 months

Jumbo Certificates & Jumbo Individual Retirement Accounts Learn More

Term Min Daily Balance to earn APY Dividend Rate APY Min. Deposit
3 Month $100,000.00 0.15% 0.15% $100,000.00
6 Month  $100,000.00 0.59% 0.60% $100,000.00
12 Month $100,000.00 0.64% 0.65% $100,000.00
15 Month Special* $100,000.00 3.15% 3.25% $100,000.00
18 Month $100,000.00 3.15% 3.25% $100,000.00
24 Month $100,000.00 3.15% 3.25% $100,000.00
36 Month $100,000.00 1.13% 1.15% $100,000.00
48 Month $100,000.00 1.23% 1.25% $100,000.00 
60 Month $100,000.00 1.23% 1.25%  $100,000.00

 

Jumbo Certificate and Jumbo IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

*15 Month Special CD will automatically renew as a regular 12 Month CD upon initial maturity. 15 Month CD Special is not available as an IRA CD and are for Consumer Accounts Only.

Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts Learn More

Term Min Daily Balance to earn APY Dividend Rate APY Min. Deposit
3 Month $100,000.00 0.30% 0.30% $100,000.00
6 Month  $100,000.00 0.74% 0.75% $100,000.00
12 Month $100,000.00 0.79% 0.80% $100,000.00
15 Month Special* $100,000.00 3.39% 3.50% $100,000.00
18 Month $100,000.00 3.39% 3.50% $100,000.00
24 Month $100,000.00 3.39% 3.50% $100,000.00
36 Month $100,000.00 1.37% 1.40% $100,000.00
48 Month $100,000.00 1.47% 1.50% $100,000.00 
60 Month $100,000.00 1.47% 1.50%  $100,000.00

To obtain the preferred Relationship CD/IRA rates, you must maintain all requirements of the Relationship Checking account. If all requirements are not maintained, the Relationship Checking account will not be eligible to receive preferred CD/IRA rates for new or renewing CDs/IRAs. Relationship Jumbo Certificate and Jumbo IRA rates are not guaranteed to be available at rollover. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 3 month term available for Certificates only. This term is not available for IRAs. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates may change upon maturity.

*15 Month Special CD will automatically renew as a regular 12 Month CD upon initial maturity. 15 Month CD Special is not available as an IRA CD and are for Consumer Accounts Only.

Bump-Up Certificates & Bump-Up Individual Retirement Accounts Learn More

Term Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit
30 Month Certificate $500.00 1.71% 1.75% $500.00
30 Month Jumbo Certificate $100,000.00 1.71% 1.75% $100,000.00
30 Month IRA $500.00 1.71% 1.75% $500.00
30 Month Jumbo IRA $100,000.00 1.71% 1.75% $100,000.00

Bump-Up Certificates and Bump-Up IRA rates are not guaranteed to be available at rollover. One bump-up in rate is allowed per 30-Month term. APYs assume that funds remain on deposit for one year. Withdrawals before account maturity are subject to early withdrawal penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. For IRAs: Annual contribution limits may apply. Everyone's tax situation is different. Please consult a financial/tax advisor regarding IRA tax deductibility. Rates are subject to change upon maturity. Consumer accounts only.

Relationship Bump-Up Certificates & Bump-Up Individual Retirement Accounts Learn More

Term Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit
30 Month Certificate $500.00 1.95% 2.00% $500.00
30 Month Jumbo Certificate $100,000.00 1.95% 2.00% $100,000.00
30 Month IRA $500.00 1.95% 2.00% $500.00
30 Month Jumbo IRA $100,000.00 1.95% 2.00% $100,000.00

 

APY= Annual Percentage Yield. To obtain the preferred Relationship CD/IRA rates, you must maintain all requirements of the Relationship Checking Account. If all requirements are not maintained, the Relationship Checking Account will not be eligible to receive preferred CD/IRA rates for new or renewing CDs/IRAs. Relationship Bump-Up Certificates and Bump-Up IRA rates are not guaranteed to be available at rollover. One bump-up in rate is allowed per 30-Month term. You must request the bump-up. APYs assume that funds remain on deposit for one year. Dividends are compounded daily and credited monthly. Withdrawals before account maturity are subject to early withdrawal penalties and there may be tax penalties. Deposits can not be made during the term of the account. Certificates and IRAs will renew automatically upon maturity. 30 month bump-up CD/IRA automatically renews to a 30 month CD/IRA. For IRAs: Annual contribution limits may apply. Please consult a financial/tax advisor regarding any tax consequences including IRA tax deductibility. Rates vary and are subject. Membership eligibility required. Consumer accounts only. Terms and conditions are provided at account opening.

Business Rates

Business Accounts & IOLTAs

Program Minimum Daily Balance to earn APY Dividend Rate APY Min. Deposit to Open
Business Plus Checking1 $0.01 0.05% 0.05% $10
Interest on Lawyers Trust Accounts (IOLTAs)2 $0.01 2.44% 2.44% $10

APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed above are accurate as of October 1, 2022 and can change at any time without notice. Rates may change after account is opened. APYs assume that funds remain on deposit for one year. Dividends are compounded daily and credited monthly. Fees may reduce earnings. St. Mary's Credit Union membership eligibility is required for all accounts. Details of rates, terms and limitations are provided during account opening and are available at any branch location.

 

1 Average monthly balance of $10,000 or business loan balance of $25,000 or more required to waive $15 monthly service fee. Up to 200 checks written per statement cycle at no charge. A $0.30 fee applies for each check written thereafter. Rate is subject to change at any time without notice.

2 Interest is sent to the Massachusetts IOLTA Committee. Rate is subject to change at any time without notice.

IOLTA 2.44% minimum rate must equal fed funds target rate x .75% or 2.44% whichever is higher.

Business Money Market Account* Learn More

Minimum Daily Balance to earn APY1 Dividend Rate APY Min. Deposit to Open
$5,000 0.00% 0.00% $5,000
$25,000 0.05% 0.05% $5,000
$50,000 0.20% 0.20% $5,000
$100,000 0.75% 0.75% $5,000
$250,000 1.25% 1.25% $5,000

*Six (6) free transactions per month by electronic pre-authorization, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. $5 per withdrawal in excess thereafter; more than 3 months of excess withdrawals in a three month period and account will convert to a Business Checking Account.

Loan Rates

Auto Loans (up to $100,000) Learn More Apply Now

Terms for Purchases & Refinances APR*
2022 - 2018 vehicles as low as 5.25% APR
2017 - 2015 vehicles as low as 5.65% APR
2014 - 2013 vehicles as low as 6.74% APR
2012 - older vehicles as low as 7.00% APR

*Annual Percentage Rates are accurate as of 10/4/2022 and can change at any time without notice. Rate is determined by credit score, term and year of vehicle. Maximum loan-to-value is 100%. The stated rate includes a 0.50% APR AutoPay discount that applies when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rates and terms may change at any time without notice. Credit Union membership required. Contact the Loan Department at 508.490.8000 for additional terms and details. Loan Calculators

Recreational Vehicle/Motorcycle Loans (up to $100,000) Learn More Apply Now

Terms for Purchases & Refinances APR*
2022 - 2018 vehicles as low as 6.50% APR
2017 - older vehicles as low as 9.25% APR

*Rate is determined by credit score, term and year of vehicle.
*Annual Percentage Rates are accurate as of 10/4/22 and can change at any time without notice. The stated rates include a 0.50% APR AutoPay discount that applies when loan payments are automatically deducted from a St. Mary's Credit Union statement account.Rate is determined by credit score, term and year of vehicle. Maximum loan-to-value is 80%. Rates and terms may change at any time without notice. Credit Union membership required. Contact the Loan Department at 508.490.8000 for additional terms and details. Loan Calculators

Personal Loans (up to $15,000) Learn More Apply Now

Personal Loan Terms APR*
Various Terms Available as low as 10.50% APR

*Rate is determined by credit score.
*Annual Percentage Rate is accurate as of 10/4/22 and can change at any time without notice. The stated rate includes a 0.50% APR AutoPay discount that applies when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Maximum term of 60 months. Rate is determined by credit score. Rates and terms may change at any time without notice. Credit Union membership required. Contact the Loan Department at 508.490.8000 for additional terms and details. Loan Calculators

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