APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed below are accurate as of December 6, 2024 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.
Featured Rates
| Product | Minimum Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit to Open |
|---|---|---|---|---|
| 9 Month Relationship Jumbo Certificate & IRA | $100,000.00 | 4.44% | 4.60% | $100,000.00 |
| 9 Month Relationship Certificate & IRA | $500.00 | 4.44% | 4.60% | $500.00 |
| 9 Month Certificate & IRA | $500.00 | 4.29% | 4.45% |
$500.00 |
For more information and a complete list of all our Certificate rates, click here.
Kasasa Cash Checking Back to Top Learn More
| Balance | Minimum to earn APY | Rate | APY |
|---|---|---|---|
| $0.01 - $10,000 | $0.01 | 5.13% | 5.25% |
| $10,000.01 + | $10,000.01 | 0.25% | 5.25% - 0.70% |
| All balances if qualifications not met | N/A | 0.05% | 0.05% |
For more information and qualifications click here
Minimum deposit to open $10.00.
Checking Accounts Back to Top
| Program | Minimum Daily Balance to earn APY | Dividend Rate | APY* | Min. Deposit to Open |
|---|---|---|---|---|
| No Fee Checking | $0.01 | 0.00% | 0.00% | $10.00 |
| Relationship Checking1 | $0.01 | 0.40% | 0.40% | $2,500.00 |
| Relationship Checking1 | $5,000.01 | 0.10% | 0.10% | $2,500.00 |
1 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 Certificate rates for new or renewing Certificates, 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 Back to Top Learn More
| Minimum Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit to Open |
|---|---|---|---|
| $0.01 | 0.05% | 0.05% | $1,000 |
| $10,000.00 | 0.05% | 0.05% | $1,000 |
| $25,000.00 | 0.10% | 0.10% | $1,000 |
| $50,000.00 | 0.30% | 0.30% | $1,000 |
| $100,000.00 | 0.40% | 0.40% | $1,000 |
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 Accounts Back to Top
| 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 Savings2 | $0.01 | 0.10% | 0.10% | $10.00 |
| Christmas & Vacation Clubs | $0.01 | 0.15% | 0.15% | $10.00 |
1 Statement and Passbook Savings allow for six (6) withdrawals or transfers made by preauthorized transfer or electronic/telephone transfer per month. $5 per withdrawal in excess thereafter; more than 3 months of excess 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.
Certificates & Individual Retirement Accounts Back to Top Learn More
| Term | Minimum Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit |
|---|---|---|---|---|
| 3 Month | $500.00 | 0.49% | 0.50% | $500.00 |
| 6 Month | $500.00 | 4.20% | 4.35% | $500.00 |
| 9 Month Special* | $500.00 | 4.29% | 4.45% | $500.00 |
| 12 Month | $500.00 | 3.73% | 3.85% | $500.00 |
| 15 Month Special* | $500.00 | 3.87% | 4.00% | $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 | 2.92% | 3.00% | $500.00 |
| 48 Month | $500.00 | 2.92% | 3.00% | $500.00 |
| 60 Month | $500.00 | 2.92% | 3.00% | $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.
*9-Month Special Certificates and IRAs & 15-Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity.
Relationship Certificates & Individual Retirement Accounts Back to Top Learn More
| Term | Min Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit |
|---|---|---|---|---|
| 3 Month | $500.00 | 0.64% | 0.65% | $500.00 |
| 6 Month | $500.00 | 4.34% | 4.50% | $500.00 |
| 9-Month Special* | $500.00 | 4.44% | 4.60% | $500.00 |
| 12 Month | $500.00 | 3.87% | 4.00% | $500.00 |
| 15 Month Special* | $500.00 | 4.11% | 4.25% | $500.00 |
| 18 Month | $500.00 | 3.39% | 3.50% | $500.00 |
| 24 Month | $500.00 | 3.39% | 3.50% | $500.00 |
| 36 Month | $500.00 | 3.15% | 3.25% | $500.00 |
| 48 Month | $500.00 | 3.15% | 3.25% | $500.00 |
| 60 Month | $500.00 | 3.15% | 3.25% | $500.00 |
To obtain the preferred Relationship Certificates/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 Certificate/IRA rates for new or renewing Certificates/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.
*9-Month Special Certificates and IRAs & 15-Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity.
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 Back to Top Learn More
| Term | Min Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit |
|---|---|---|---|---|
| 3 Month | $100,000.00 | 0.49% | 0.50% | $100,000.00 |
| 6 Month | $100,000.00 | 4.20% | 4.35% | $100,000.00 |
| 9 Month Special* | $100,000.00 | 4.29% | 4.45% | $100,000.00 |
| 12 Month | $100,000.00 | 3.96% | 4.10% | $100,000.00 |
| 15 Month Special* | $100,000.00 | 3.63% | 4.00% | $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 | 3.15% | 3.25% | $100,000.00 |
| 48 Month | $100,000.00 | 3.15% | 3.25% | $100,000.00 |
| 60 Month | $100,000.00 | 3.15% | 3.25% | $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.
*9-Month Special Certificates and IRAs & 15-Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity.
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts Back to Top Learn More
| Term | Min Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit |
|---|---|---|---|---|
| 3 Month | $100,000.00 | 0.64% | 0.65% | $100,000.00 |
| 6 Month | $100,000.00 | 4.34% | 4.50% | $100,000.00 |
| 9 Month Special* | $100,000.00 | 4.44% | 4.60% | $100,000.00 |
| 12 Month | $100,000.00 | 4.11% | 4.25% | $100,000.00 |
| 15 Month Special* | $100,000.00 | 4.11% | 4.25% | $100,000.00 |
| 18 Month | $100,000.00 | 3.63% | 3.75% | $100,000.00 |
| 24 Month | $100,000.00 | 3.63% | 3.75% | $100,000.00 |
| 36 Month | $100,000.00 | 3.39% | 3.50% | $100,000.00 |
| 48 Month | $100,000.00 | 3.39% | 3.50% | $100,000.00 |
| 60 Month | $100,000.00 | 3.39% | 3.50% | $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 Certificate/IRA rates for new or renewing Certificates/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.
*9-Month Special Certificates and IRAs & 15-Month Special Certificates and IRAs will automatically convert to a 12-month term upon initial maturity.
Bump-Up Certificates & Bump-Up Individual Retirement Accounts Back to Top Learn More
| Term | Minimum Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit |
|---|---|---|---|---|
| 30 Month Certificate | $500.00 | 2.44% | 2.50% | $500.00 |
| 30 Month Jumbo Certificate | $100,000.00 | 2.44% | 2.50% | $100,000.00 |
| 30 Month IRA | $500.00 | 2.44% | 2.50% | $500.00 |
| 30 Month Jumbo IRA | $100,000.00 | 2.44% | 2.50% | $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 Back to Top Learn More
| Term | Minimum Daily Balance to earn APY | Dividend Rate | APY | Min. Deposit |
|---|---|---|---|---|
| 30 Month Certificate | $500.00 | 2.68% | 2.75% | $500.00 |
| 30 Month Jumbo Certificate | $100,000.00 | 2.68% | 2.75% | $100,000.00 |
| 30 Month IRA | $500.00 | 2.68% | 2.75% | $500.00 |
| 30 Month Jumbo IRA | $100,000.00 | 2.68% | 2.75% | $100,000.00 |
APY= Annual Percentage Yield. To obtain the preferred Relationship Certificate/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 Certificate/IRA rates for new or renewing Certificates/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 Certificate/IRA automatically renews to a 30 month Certificate/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 Accounts & IOLTAs Back to Top
| 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 | 4.13% | 4.13% | $10 |
APY = Annual Percentage Yield. The Annual Percentage Yields (APYs) listed above are accurate as of August 1, 2023 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 4.13% minimum rate must equal fed funds target rate x .75% or 4.13% whichever is higher.
Business Money Market Account Back to Top 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.
Auto Loans (up to $100,000) Back to Top Learn More Apply Now
| Terms for Purchases & Refinances | APR* |
|---|---|
| 2024 - 2019 vehicles | as low as 6.50% APR |
| 2018 - 2016 vehicles | as low as 6.90% APR |
| 2015 - 2014 vehicles | as low as 8.99% APR |
| 2013 - older vehicles | as low as 9.25% APR |
*Annual Percentage Rates are accurate as of 8/29/2024 and can change at any time without notice. Rate is determined by credit score, term and year of vehicle. Qualifying borrowers can finance up to 115% of value. 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 (up to $100,000) Back to Top Learn More Apply Now
| Terms for Purchases & Refinances | APR* |
|---|---|
| 2024 - 2019 vehicles | as low as 8.50% APR |
| 2018 - older vehicles | as low as 11.25% APR |
*Annual Percentage Rates are accurate as of 1/12/24 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) Back to Top Learn More Apply Now
| Personal Loan Terms | APR* |
|---|---|
| Various Terms Available | as low as 10.50% APR |
*Annual Percentage Rate is accurate as of 3/16/23 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