Starting a project or 
making a big purchase?

Home Equity Line with Lock Option (HELLO)

St. Mary's Bank
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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.

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


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.


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

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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

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

Green Rate

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

Construction, Purchase or Refinance

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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 >

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Home Improvement Loan

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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 >

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Green Rate Home Improvement Loan

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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 >

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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 >

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Connect with a Mortgage Loan Officer >

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