Starting a project or 
making a big purchase?

Home Equity Line with Lock Option (HELLO)

St. Mary's Bank
apply now

St. Mary’s Bank is a member-owned credit union. Membership opened to anyone with purchase of one share of capital stock for $5. Federally Insured by NCUA. Equal Opportunity Lender. NMLS ID# 690869.

Access to St. Mary’s Bank’s Website from Third Party Websites

Third party websites may contain URL links or QR Codes (“Access Points”) to enable users to visit St. Mary’s Bank’s website easily (“Third Party Websites”). St. Mary's Bank cannot be held responsible for the contents of such Third Party Websites or any Access Points not supplied to such Third Party Websites by St. Mary’s Bank. St. Mary's Bank does not endorse or promote the content, products, or services on such Third Party Websites, and St. Mary’s Bank shall not be responsible any damages resulting from users’ use of such Third Party Websites or the activities occurring on such Third Party Websites including the collection and privacy of personal information. Visitors should exercise caution and examine the terms and conditions and privacy policies applicable to all Third Party Websites.

© 2024 St. Mary’s Bank - 200 McGregor Street Manchester, NH 03102.  All rights reserved.

BANK WITH THE NATION’S FIRST CREDIT UNION

In 1908, St. Mary’s Bank opened its doors in Manchester, New Hampshire, becoming the first credit union in the nation. Over a century later, St. Mary’s Bank honors the past while continuously moving the credit union forward with innovative products and services. 

Discover the St. Mary’s Bank difference today.

HUDSON • LONDONDERRY • MANCHESTER • MILFORD • NASHUA • PORTSMOUTH

Voted Best Credit Union  

-New Hampshire Business Review BOB Award 


Best of the 603, Credit Union

-Manchester Radio Group 


A Best Company to Work For

-Business NH Magazine 


Best Community Bank 

-Derry News 


Gold Level Lender 

- New Hampshire Housing 


Top NH Lender 

-The Warren Group

Home Equity Line 
with Lock Option

Apply Now >

Tap your home's equity. Lock any or all of your line to a fixed rate.

Rates     Locations      About Us 

|

Finance Your Project

Home Improvement
Loan

Apply Now >

Get a fixed-rate loan without tapping into the equity of your home.

Green Rate
Loan

Apply Now >

Take advantage of this special rate for your energy-efficient project.

Construction, Purchase or Refinance

Apply Now >

We have the options you need for your home goals.

What is Home Equity?
A home's equity is your home's current value minus the amount you still owe on your mortgage. Home Equity lending options use that equity in your home to allow you to borrow funds.

Draw what you need. Lock your rate anytime.
Our Home Equity Line with Lock Option allows you to convert any or all of your line of credit from a variable rate to a fixed rate at any time. 

  • No closing costs 
  • Borrow what you need, when you need it 
  • Only pay on what you use 
  • Lock any or all of your line to a fixed-rate advance 
  • Choose your repayment term for the fixed-rate advance 
  • Up to three fixed-rate advances at a time 
  • As you pay down your balance, your available credit increases

Home Equity Rates >

Home Equity Line Calculator >

Apply Now >

Home Improvement Loan

apply now

What is a Home Improvement Loan?
A home improvement loan is a simple, fixed rate loan used to finance home repairs or projects.

Get a loan without worrying about equity or an appraisal.

  • Fixed-rate
  • Up to 84 month term
  • Borrow up to $25,000
  • No appraisal required

Home Improvement Loan Rates >

Apply Now >

Green Rate Home Improvement Loan

apply now

Special Low Rate for Energy-Efficient Projects.
The Green Rate Loan is designed specifically for energy-saving projects. Its purpose is to help homeowners economically invest in improving the energy efficiency of their homes. By improving energy efficiency, consumers will improve their financial well-being by lessening their long-term energy costs and increasing the value of their homes.

  • Fixed-rate
  • Up to 84 month term
  • Borrow up to $25,000
  • No appraisal required

Green Rate Loan Rates >

Apply Now >

Home Construction, Purchase, or Refinance

connect with a Mortgage Loan Officer

Thinking of building, buying or refinancing?
The Mortgage Center at St. Mary's Bank is your starting point. Whether you want to purchase a home, build one, or refinance your current home, we have the programs you need.

Construction-to-Perm Financing
Our construction-to-permanent financing makes it easy to roll financing for home renovations, new home construction, and land into one convenient loan. 

Home Purchase
St. Mary’s Bank offers a wide variety of mortgage programs for primary, seasonal, or vacation homes, or investment properties. With the expertise of our lenders, we provide an exceptionally smooth process from application to closing. 

Home Refinance
If you need a 
better mortgage, or a cash-out refinance option, we are ready to help.

Mortgage Rates >

Get a Quick Quote >

Apply Now >

Connect with a Mortgage Loan Officer >

apply now

Home      Locations      Schedule Appointment      1-888-786-2791

Explore loan options available from St. Mary's Bank.