St. Mary's Bank

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In order to get started, select an account that works for you.

High Yield Savings
Minimum Balance  |  Annual Percentage Yield (APY)
$0.01 - $100,000.00 = 3.65% APY
$100,000.01+ = 3.65% - 0.05% APY
View High Yield Savings Account Disclosure

Earn a higher savings rate while keeping your money accessible in 3 easy steps:
  • Open a High Yield Savings (only $10)
  • Have a St. Mary's Bank checking account
  • Set up $1,500+ in monthly direct deposits* (see disclosure)
High Yield Savings + Beyond Checking
2 Products
Minimum Balance  |  Annual Percentage Yield (APY)
$0.01 - $100,000.00 = 3.65% APY
$100,000.01+ = 0.05% APY
View High Yield Savings Account Disclosure

Sometimes the simplest way to save more is keeping your money together.

Get the best rate in 3 easy steps:
  • Open a High Yield Savings (only $10)
  • Get a St. Mary's Bank checking account (only $10)
  • Set up $1,500 in monthly direct deposits* (see disclosure)
Beyond Checking
Simplify everyday finances with an account that supports your lifestyle.
  • No minimum daily balance
  • No monthly fee when you choose eStatements; $2/month for paper statements
  • By applying for a Beyond Checking account, you agree to receive a Visa debit card in the mail.  The card is inactive until validated and if not needed, dispose of it per the account instructions provided with the debit card.  See the Electronic Fund Transfer Disclosures included with your card for details.
Beyond Savings
Make it easy to grow your savings while maintaining control over your money.
  • Monthly service fee waived when you maintain a minimum daily balance of at least $250 or set up a recurring monthly direct deposit.
  • Fees are automatically waived for members under 21 and over age 62
603 Checking
Turn everyday debit card purchases into everyday impact—automatically support NH non-profits you care about.
  • With each debit card purchase, St. Mary's Bank donates $0.0603 to a local NH non-profit
  • Select your preferred non-profit donation category at account opening.
  • No minimum daily balance
  • No monthly fee when you choose eStatements; $2/month for paper statements
  • By applying for a 603 Checking account, you agree to receive a Visa debit card in the mail.  The card is inactive until validated and if not needed, dispose of it per the account instructions provided with the debit card.  See the Electronic Fund Transfer Disclosures included with your card for details.
Beyond Rewards Checking
Pair your Beyond Rewards Savings account with a Beyond Rewards Checking account to access competitive rates and benefits
  • Premier checking account with competitive interest rates
  • eStatements - complimentary upon enrollment
  • Monthly service fee waived with combined daily balances of $20,000 (all deposits & loans)
  • Complimentary paper statements with combined daily balances of $20,000 or more
  • Complimentary treasurer's checks and money orders.
  • By applying for a Beyond Rewards Checking account, you agree to receive a Visa debit card in the mail.  The card is inactive until validated and if not needed, dispose of it per the account instructions provided with the debit card.  See the Electronic Fund Transfer Disclosures included with your card for details.
Beyond Interest Checking
Let your high balance work harder for you - at no additional cost. Earn interest on your account and avoid monthly fees when you maintain a balance of $1,000 or more.
  • Premier checking account with competitive interest rates
  • eStatements - complimentary upon enrollment
  • Monthly service fee waived with daily balances of $1,000 and up
  • Complimentary paper statements with daily balances of $1,000 or more
  • By applying for a Beyond Interest Checking account, you agree to receive a Visa debit card in the mail.  The card is inactive until validated and if not needed, dispose of it per the account instructions provided with the debit card.  See the Electronic Fund Transfer Disclosures included with your card for details.
Rainy Day Savings
Minimum Balance  |  Annual Percentage Yield (APY)
$0.01 - $500.99 = 7.00% APY
$501.00 - $1,000.99 = 7.00% - 5.00% APY
$1,001.00+ = 7.00% - 0.05% APY
View Rainy Day Savings Account Disclosure

Easily automate your savings. Plan ahead with a savings cushion to soften the blow of emergency expenses like auto repairs and medical bills.
  • Premium interest rates
  • One free withdrawal per month
  • Requires a recurring monthly automatic deposit of at least $25
Beyond Rewards Savings
Pair your Beyond Rewards Checking account with a Beyond Rewards Savings account to enjoy competitive interest rates on tiered balances.
Student Checking
Empower teens to take control of their financial futures without worrying about minimum balance requirements.
  • For students aged 13 to 25
  • No minimum daily balance
  • Minors (under 18 years old) require a guardian as a joint account owner and must open their account in branch
  • eStatements required ($2 paper statement fee if you opt out)
  • By applying for a Student Checking account, you agree to receive a Visa debit card in the mail.  The card is inactive until validated and if not needed, dispose of it per the account instructions provided with the debit card.  See the Electronic Fund Transfer Disclosures included with your card for details.
Premier Money Market
Money Market Accounts combine the best features of savings and checking accounts into one. Enjoy competitive interest rates and the convenience of easy access to your money.
24-Month Flex CD Promo
Our Flex CD gives you the best of both worlds—guaranteed growth with added flexibility. With a low $500 minimum to open, it’s a great way to grow your savings while keeping your options open.

View Current Rates

Flex Benefits:
  • Penalty-Free Withdrawal: Take out up to 25% of your principal balance once during the term, without a penalty.
  • Rate Bump: Enjoy one opportunity to upgrade your rate during the initial term.
  • Additional Deposit: Make a one-time additional deposit during the initial term, up to the amount of your original deposit.
30-Month Flex CD Promo
Our Flex CD gives you the best of both worlds—guaranteed growth with added flexibility. With a low $500 minimum to open, it’s a great way to grow your savings while keeping your options open.

View Current Rates

Flex Benefits:
  • Penalty-Free Withdrawal: Take out up to 25% of your principal balance once during the term, without a penalty.
  • Rate Bump: Enjoy one opportunity to upgrade your rate during the initial term.
  • Additional Deposit: Make a one-time additional deposit during the initial term, up to the amount of your original deposit.
Certificates of Deposit
A Certificate of Deposit (CD) is a secure savings option that offers you a fixed interest rate for a set term. You earn guaranteed interest—often higher than traditional savings accounts. Once the term ends, you can choose to either withdraw your funds or roll them over into a new CD.

Select the CD that best fits your savings goals.

View Current Rates
  • Low Minimum to Open: Get started with just $500.
  • Steady Growth: Enjoy a fixed interest rate and watch your savings grow.
  • Safe & Secure: Your deposit is NCUA insured, so you can rest easy knowing your money is safe.
  • Flexible Terms: Choose the term that works for you.
6 Month CD
12 Month Promo CD
Lock in your rate today and make the most of your money!

View Current Rates
  • Earn More: Enjoy one of our most competitive fixed rates.
  • Safe & Secure: Your deposit is NCUA insured for peace of mind.
  • Low Minimum to Start: Open with just $500.