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St. Mary’s Bank is a member-owned credit union. Membership opened to anyone with the purchase of one share of capital stock for $5. Federally Insured by NCUA.
©2025 St. Mary’s Bank - 200 McGregor Street, Manchester, NH 03102. All rights reserved.
Open a new St. Mary's Bank checking account1 with offer code GET300.
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Open a St. Mary's Bank savings account1 at the same time.
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Setup a recurring direct deposit within 90 days ($1,000 minimum)1
What's included with all St. Mary's Bank checking accounts:
- Get paid two days early with eligible payroll direct deposit2
- 30,000+ fee-free CO-OP/SUM ATM locations
- Loan rate discounts on select loans with automatic payments3
- Just $10 to open your new checking account
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Choose Your Savings
Choose Your Checking
Beyond Savings
Ideal for all your short and long-term needs.
$250 minimum balance required to waive monthly fee. Just $10 to open.
Rainy Day Savings
7.00% APY4 on the first $500 you deposit into this account. After this earn a staggered rate of return on the next two tiers.
5.00% - 7.00% APY4 on $501 to $1000
0.05% - 7.00% APY4 on $1001+
$25 to open and a minimum $25 automatic monthly deposit required
No monthly service fee
One free withdrawal per month4
Credit Dashboard
Your FREE credit monitoring dashboard
Get easy access to your credit score, full credit report, credit monitoring, financial tips, and more.
Enroll and view Credit Dashboard in online/mobile banking.
More ways to make your money work for you...
High-Rate CD
4.00% APY5
9-month term | $500 to open
Premier Money Market Promo
3.00% APY6
on balances of $25,000 to $999,999
not available for funds currently on deposit at St. Mary's Bank
Open your account today by visiting one of our branches at:
- 65 Lafayette Road, Suite 101, North Hampton, NH
- 20 International Drive, Portsmouth, NH
HUDSON • LONDONDERRY • MANCHESTER • MILFORD • NASHUA PORTSMOUTH • NORTH HAMPTON • CONCORD (Summer 2025)
It's our mission to help members achieve their financial goals by providing best-in-market service and trusted financial advice.
"We were very impressed with the helpfulness and professionalism we experienced at St. Mary’s Bank in Portsmouth.... All the staff were friendly and helpful. We’re very happy to be new members of St. Mary’s Bank. "
-Debby, Portsmouth, NH
1. $300 Bonus Offer Terms and Conditions.
Actions required to qualify for the $300 deposit:
(a) Open both a personal checking account and a personal savings account at the same time.
(b) Add a recurring direct deposit (at least two) totaling $1,000 or more posted to your CHECKING account within 90 days of account opening.
Direct deposit is recurring income electronically deposited into your St. Mary’s Bank checking account by an employer or other organization. It may include salary, pension, government benefits, or other eligible regular income. Certain money transfers, such as person-to-person payments and payments made with apps such as Zelle®, PayPal, or Venmo, do not qualify as direct deposits. Transfers between your accounts at St. Mary’s Bank or other banks or brokerages also do not count as direct deposits.
Checking accounts: A minimum deposit of $10 is required to open a checking account.
Bonus Offer Qualifications:
This offer is available to individuals opening their first St. Mary’s Bank checking account. If you have been a primary or secondary (joint) holder of a St. Mary’s Bank checking account within the last 90 days, you are not eligible for this bonus. All deposit accounts must be in good standing (not in default, closed or suspended) when the bonus is paid. Limit one bonus per primary member regardless of the number of checking accounts opened.
Bonus payout may take up to 30 days to post in savings account after all qualifying activities are completed. Direct deposit must be established within 90 calendar days after the account opening date. If the 90th day is not a business day, then these requirements need to be met by the next business day.
Beyond Savings accounts: A minimum of $10 is required to open a Beyond Savings account. Annual Percentage Yield (APY) accurate as of 1/6/25. Beyond Savings earns 0.05% APY for all tiers. Fees may reduce earnings. Rates and terms subject to change without notice.
2. Early Pay: If we receive notice from an employer or government agency that your funds are ready, we may post your direct deposit earlier than your “official” scheduled payment day. Subject to originator payroll/funds process and timing. St. Mary’s Bank will not assume liability for not depositing funds to your account early.
3. Loan Rate Discount: Available with automatic funds transfer from a St. Mary’s Bank checking account.
4. Rainy Day Savings: A minimum deposit of $25 is required to open a Rainy Day Savings account. Annual Percentage Yield (APY) accurate as of 2/14/25. A minimum $25 monthly automatic transfer from a St. Mary's Bank checking or qualified direct deposit is required. One free withdrawal is available per month, and a $2.00 fee for each withdrawal afterward. One Rainy Day Savings allowed per member. Rainy Day Savings earns 7.00% APY for $0.01-$500, 5.00% - 7.00% APY for $501-$1000, and 0.05% - 7.00% for $1,001+. Fees may reduce earnings. Rates and terms subject to change without notice. For complete account terms and conditions, please navigate to www.stmarysbank.com or visit a branch location.
5. CD Rate: Annual Percentage Yield (APY) accurate as of 3/28/25. $500 minimum deposit to open. Rate is guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal. Fees may reduce earnings. Rates and terms subject to change without notice.
6. Premier Money Market Promo: Annual Percentage Yield (APY) accurate as of 3/28/25. Rates subject to change at any time. Minimum daily balance of $25,000, and maximum daily balance of $999,999 required to obtain promotional rate. Daily balances of $24,999 and less earn 0.00% APY, daily balances of $1,000,000 and over earn 0.85% APY. Variable rates are subject to change without notice, and after the account is opened. Promotional rate not available for funds currently on deposit with St. Mary's Bank. Limit one promotional rate money market per individual. Monthly service of $10 waived when minimum daily balance remains above $2,500. Fees may reduce earnings.
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