What are the current interest rates at St Marys Bank Credit Union?

Current rates for St Marys Bank Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.00%, Savings: 3.65%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
St Marys Bank Credit Union

iAdvertiser Disclosure

St Marys Bank Credit Union Rates & Review September 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 and Verified: September 22, 2026

St Marys Bank Credit Union's 12-Month Promo CD rates are at 4.00%, 30-Month Flex Promo CD rates are at 3.25%, 24-Month Flex Promo CD rates are at 3.00%. St Marys Bank Credit Union's savings rates are at 3.65%. St Marys Bank Credit Union's Personal Loan Rates are as low as 12.39%. 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 2.88%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

St Marys Bank Credit Union
Main Office

200 McGregor St
Manchester, NH 03102

https://www.stmarysbank.com

St Marys Bank Credit Union CD Rates

Product	Rate	APY	Term
12-Month Promo CD	-	4.00%	12 month
Min Deposit $500 Details Promo CD. Rate is guaranteed from time of opening to maturity. Subject to penalty for early withdrawal. Fees may reduce earnings. Rates and terms subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
30-Month Flex Promo CD	-	3.25%	30 month
Min Deposit $500 Details Flex Promo CD. Save longer with a great return. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
24-Month Flex Promo CD	-	3.00%	24 month
Min Deposit $500 Details Flex Promo CD. Save longer with a great return. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

St Marys Bank Credit Union Savings Rates

Product	Rate	APY
High Yield Savings Account	-	3.65%
Min Deposit $10 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit totaling at least $1,500 during each monthly statement cycle; maintain an existing or open a St. Mary's Bank checking account (minimum $10 to open); Balances of $0.01 - $100,000.00 earn 3.65% APY. Limit one High Yield Savings Account per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
High Yield Savings Account	-	3.65%
Min Deposit $10 Min Balance $100,000 Details Published APY range: 3.65%-0.05%. Qualifications Required: 1 direct deposit or ACH credit totaling at least $1,500 during each monthly statement cycle; maintain an existing or open a St. Mary's Bank checking account (minimum $10 to open); Balances of $100,000.01 and over earn 3.65%-0.05% APY. If qualification requirements are not met in any statement cycle, your account balance will automatically earn the base savings rate of 0.05% APY until requirements are met. Limit one High Yield Savings Account per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

St Marys Bank Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line with Lock Option	5.75%	-	5.75%	Fixed up to 36 mos.
Details CLTV: up to 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Equity Line with Lock Option	6.00%	-	6.00%	Fixed up to 60 mos.
Details CLTV: up to 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Equity Line with Lock Option	6.25%	-	6.25%	Fixed up to 120 mos.
Details CLTV: up to 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Equity Line with Lock Option	6.75%	-	6.75%	Variable, Revolving
Details Prime minus .25; CLTV: up to 80%; Fees: $50 annual fee per year Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Equity Lines of Credit	-	-	7.00%	240 month
Details For 1-4 family owner occupied primary residence NH properties only. $10,000 Minimum line amount. If the line is paid in full and closed within 3 years of activation, you may be required to reimburse St. Mary's Bank for any closing costs paid on your behalf, estimated to range between $675 - $1,275. Annual Percentage Rate (APR) is based on loan amount of $10,000. Rates and terms may change at any time and vary by loan amount. Lock Option allows up to 3 fixed rate amounts in one year and at any one time. Up to 10 fixed rate amounts over the life of the loan. Monthly payment for the fixed rate is based on the term and rate shown above. Minimum fixed rate amount is $1,000. Up to 80% CLTV for 1 to 4 family homes and up to 75% CLTV for Condos for credit scores of 730 and above and St. Mary's Bank holds the 1st mortgage; up to 75% CLTV for 1 to 4 family homes and up to 70% CLTV for Condos when St. Mary's Bank does not hold the 1st mortgage. Up to 70% CLTV for 1 to 4 family homes and up to 65% CLTV for Condos for lines greater than $500,000. Annual fee waived with automatic funds transfer from a St. Mary's Bank Checking account. Minimum Draw $300 per advance. Draws under $300 are subject to a $15 fee. Prime -.25% variable monthly for the life of the line. Prime Rate published in the Wall Street Journal preceding the start of each monthly billing period. Current prime rate is 7.00%. 3% Minimum, 16% Maximum. 10 year draw period; 10 year repayment. You will be billed interest only during the draw period. If you pay interest only you will owe the amounts drawn and your monthly payment will increase when the draw period ends. The following fees are waived St. Mary's is committed to remaining competitive, especially when it comes to rates and fees, so as a result we waive the fees listed above, saving you money and keeping your best interests in mind. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

St Marys Bank Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.14%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

St Marys Bank Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV & Boats Model Year 2016 and Newer Loan	10.05%	10.05%	up to 84 mos.
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
RV & Boats Model Year 2016 and Newer Loan	10.31%	10.31%	85 - 120 mos.
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

St Marys Bank Credit Union Personal Loan Rates

Product	APR	Term
Personal Unsecured Loan	12.39%	up to 48 mos.
Details up to $15,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Personal Unsecured Loan	13.39%	49 - 60 mos.
Details up to $15,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

St Marys Bank Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	7.89%	-	7.89%	up to 24 mos.
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Credit Builder Plus Loan	7.89%	-	7.89%	up to 48 mos.
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Green Rate Home Improvement Loan	7.64%	-	7.64%	up to 84 mos.
Details up to $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Improvement Loan	10.39%	-	10.39%	up to 60 mos.
Details up to $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Home Improvement Loan	10.64%	-	10.64%	61 - 84 mos.
Details up to $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

St Marys Bank Credit Union’s Texas Ratio rose from 1.08% in Q2 2023 to 2.88% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.8B	2.88%	5.0	A+
December 31, 2025	$1.7B	3.56%	5.0	A+
September 30, 2025	$1.7B	2.00%	5.0	A+
June 30, 2025	$1.7B	2.76%	5.0	A+
March 31, 2025	$1.7B	2.01%	5.0	A+
December 31, 2024	$1.6B	2.57%	5.0	A+
September 30, 2024	$1.6B	1.85%	5.0	A+
June 30, 2024	$1.5B	2.68%	5.0	A+
March 31, 2024	$1.5B	1.41%	5.0	A+
December 31, 2023	$1.5B	2.14%	5.0	A+
September 30, 2023	$1.5B	1.59%	5.0	A+
June 30, 2023	$1.5B	1.08%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 293

Part-Time Employees 12

Branch Locations 13

ATM Locations 12

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

2.88%

Return on Assets (ROA)

0.2297%

Return on Equity (ROE)

2.3083%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

1,751,779,803

Total Amount of Shares and Deposits

1,555,242,448

Total Shares and Deposits < 1 Year

1,493,411,278

Total Shares and Deposits 1 3 Years

53,100,099

Total Shares and Deposits > 3 Years

8,731,073

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

259,903,217

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

259,903,217

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

1,295,339,231

Total Interest Expense (Sum of items 6 8)

6,058,390

Share Certificates

11,006

Number of Accounts for Share Drafts

56,753

IRA KEOGH Accounts

2,357

Number of Accounts for Regular Shares

132,247

All other shares

337

Money Market Shares

7,173

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

4,023,347

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

82,165,777

Total Liabilities

1,577,250,053

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

St Marys Bank Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/st-marys-bank-credit-union-rates-review-63829">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for St Marys Bank Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for St Marys Bank Credit Union

Frequently Asked Questions About St Marys Bank Credit Union

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.