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St Marys Bank Credit Union

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St Marys Bank Credit Union Rates & Review April 2026

Q: Is a member application needed to join St Marys Bank Credit Union?

Yes, to access services at St Marys Bank Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Marys Bank Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare St Marys Bank Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.00%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 2.60%. Savings rates are at 0.10% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to St Marys Bank Credit Union rates. MonitorBankRates evaluates the financial stability of St Marys Bank Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.11%. Rates were last updated on 04/23/2026.

St Marys Bank Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St Marys Bank Credit Union? Share your experience about St Marys Bank Credit Union by leaving a review below, or read customer reviews before you decide to use St Marys Bank Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.11%

Excellent Lower than avg

St Marys Bank Credit Union
Main Office

200 McGregor St
Manchester, NH 03102

https://www.stmarysbank.com

Current Rate Availability

We do not have St Marys Bank Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for St Marys Bank Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather St Marys Bank Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St Marys Bank Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Marys Bank Credit Union

Website https://www.stmarysbank.com

Address 200 McGregor St, Manchester, NH 03102

Phone 603-669-4600

Fax

President Elizabeth Hitchcock

CEO Ken Senus

Full-Time Employees 287

Part-Time Employees 13

Branch Locations 13

ATM Locations 13

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.11%

Return on Assets (ROA)

0.6947%

Return on Equity (ROE)

7.1073%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

1,712,612,845

Total Amount of Shares and Deposits

1,528,200,434

Total Shares and Deposits < 1 Year

1,471,083,663

Total Shares and Deposits 1 3 Years

47,457,699

Total Shares and Deposits > 3 Years

9,659,072

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

268,119,045

Total Uninsured Shares and Deposits > $250K (F+J)

268,119,045

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,260,081,389

Total Interest Expense (Sum of items 6 8)

19,384,397

Share Certificates

11,179

Number of Accounts for Share Drafts

56,144

IRA KEOGH Accounts

2,503

Number of Accounts for Regular Shares

129,843

All other shares

345

Money Market Shares

7,051

Net Income (unless the amount is already included in Undivided Earnings)

11,896,800

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

107,758,210

Total Liabilities

1,549,579,663

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About St Marys Bank Credit Union

Is St Marys Bank Credit Union a safe place to deposit money?

Yes, St Marys Bank Credit Union is considered a safe financial institution. With a Texas Ratio of 2.114650436629%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does St Marys Bank Credit Union operate?

St Marys Bank Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join St Marys Bank Credit Union?

Yes, to access services at St Marys Bank Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, St Marys Bank Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Marys Bank Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Marys Bank Credit Union offer online and mobile banking?

Most modern institutions like St Marys Bank Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stmarysbank.com.