St. Mary's Bank

Overview / Commentary
200 McGregor St
Manchester, NH 03102

St. Mary's Bank is headquartered in Manchester and is the 3rd largest credit union in the state of New Hampshire. It is also the 308th largest credit union in the nation. It was established in 1909 and as of June of 2023, it had grown to 271 employees and 95,114 members at 11 locations. St. Mary's Bank's money market rates are 93% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in St. Mary's Bank is open to anyone through purchasing a minimal $5 share.
See current membership details

Reviews (4)

Better banking at St. Mary's

My account at St. Mary's was my first real bank account. I was happy to use a credit union to avoid the fees of the big banks. At the imte I opened my account, the CD rates were competitive with other banks in town. Even though it is a smaller credit union, they had branches were I lived and offered ATM fee forgiveness outside the network. I would definitely recommend it to others.

St Mary's Review

I've had an account with Saint Mary's for about 10 years now. Overall I would say i'm satisfied them particularly after dropping my big name bank and switching over to them. The difference isn't necessarily in the interest rates or the ability to get loans but rather in the level of customer service. On the rare occasions I've had issues with my account, I've always been treated like I mattered and like they cared about my business. Overall their website is straight forward and easy to use although I will say their mobile site needs a little polishing, it tends to be slow and the interface is not as intuitive as it could be. Their app is slightly better but has a tendency to freeze if I move to quickly between menus and accounts.

Great Rate On The 1St $1000.00, If You Can Get An Account Open. Luck After 3 Weeks Of Trying.

Posted by: |

Been trying to open a "Rainy Day Savings" for few weeks now. The primary account ("Rainy Day Savings") was approved but the secondary is still awaiting approval. They called the house and asked me to call them and when I do, they said they can't help me unless I give me the verbal password. "?" Verbal password? "I don't remember the verbal password." "Sorry" they say. So without blowing my top, I'm waiting and thinking about what to do next.

I've had another problem. When trying to sign up, the address listed on the application is not the address I typed in. I'm glad I let them take just $50 from the account I'm using to fund St Mary's. So in the mean time, I'm need to starting searching for another high interest account to place the bonus money from my job.

Horrible Do Not Recommend

Basically you get all the hassle of a big bank with none of the benefits. They expect you to overlook their low tech offerings like no apple pay for example, meanwhile they treat you like anonymous garbage when you need their help with extremely good reason after being a customer for over ten years (currently pregnant and high risk and had a difficult month financially in recovery mode with a plan that I can prove and they basically kicked me in the teeth over a 32$ fee and they also seemed to enjoy my being down.)


Health Grade Components

NCUA #63829
Year Chartered1909
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD13.79%
Annual Interest Income$30.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.48B$1.47B
LoansQ2 2023vs Q2 2022$1.25B$1.17B
DepositsQ2 2023vs Q2 2022$1.34B$1.34B
Equity CapitalQ2 2023vs Q2 2022$119.5MM$111.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$6.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.5MM$1.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not St. Mary's Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Mary's Bank Savings Account Rates

7.00%*$25*$500Rainy Day Savings
OTHER TIERS: 0.05% $1k+ | 5.00% $500 - $1k
0.55%*$1m*-Business Cash Management Sweep Account
OTHER TIERS: 0.10% $25k - $50k | 0.15% $50k - $75k | 0.20% $75k - $150k | 0.35% $150k - $250k | 0.40% $250k - $500k | 0.45% $500k - $1m
0.15%$10-Christmas Club
0.15%$10-Winter Club
0.15%$10-Summer Club
0.15%$10-Back to School Club
0.10%$10-IRA Savings
0.10%$1k-Health Savings Account
0.05%--Beyond Savings Statement
0.05%--Beyond Rewards Savings
0.05%$2.5k-Premium Business Savings
0.05%--Super Saver Kids Club Statement
0.05%--Beyond Savings Passbook
0.05%--Super Saver Kids Club Passbook

St. Mary's Bank Money Market Rates

0.85%*$1m*-Premier Money Market
OTHER TIERS: 0.40% $2.5k - $10k | 0.45% $10k - $50k | 0.60% $50k - $100k | 0.70% $100k - $250k | 0.75% $250k - $500k | 0.80% $500k - $1m
0.60%*$250k*-Business Money Market
OTHER TIERS: 0.15% $2.5k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.40% $75k - $150k | 0.45% $150k - $250k

St. Mary's Bank Checking Account Rates

2.00%*$1m*-IOLTA Checking
OTHER TIERS: 0.50% Up to $250k | 1.00% $250k - $500k | 1.50% $500k - $1m
0.05%$20k-Beyond Rewards Checking
0.05%--Community Checking
0.01%$1k-Beyond Interest Checking

St. Mary's Bank CD Rates

5.00%$500-9 Month CD Promo
4.75%$500-11 Month CD Promo
4.50%$500-18 Month CD Promo
4.50%$500-14 Month CD Promo
3.50%$500-30 Month Flex CD Promo
3.50%$500-24 Month Flex CD Promo
2.25%$500-60 Month CD
2.00%$500-48 - 59 Month CD
1.50%$500-36 - 47 Month CD
1.25%$500-24 - 35 Month CD
0.75%$500-12 - 23 Month CD
0.60%$500-6 - 11 Month CD

St. Mary's Bank IRA Rates

5.00%$500-9 Month IRA Promo
4.75%$500-11 Month IRA Promo
4.50%$500-18 Month IRA Promo
4.50%$500-14 Month IRA Promo
2.25%$500-60 Month IRA
2.00%$500-48 - 59 Month IRA
1.50%$500-36 - 47 Month IRA
1.25%$500-24 - 35 Month IRA
0.75%$500-12 - 23 Month IRA
0.60%$500-6 - 11 Month IRA


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