3 reasons to refinance now

consolidate debt
 
Combine higher-interest debt into one lower-rate loan.
lower your interest rate
 
Refinance your loan to a lower rate and save on monthly payments.
shorten term
 
Pay your loan off sooner and save big on interest.

Get a Better Loan

Personal Loans
LIMITED TIME! Rates as low as 5.89% APR1Pay off credit cards, or other high-interest debt. You can even make a major purchase. It only takes minutes to apply. learn more >
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Auto loans
Rates as low as 1.99% APR2. Refinancing your auto loan is easy, and may save you a lot of money each month, adding up to hundreds of dollars over the life of your loan. Check rates >
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Visa Platinum credit card
0% Intro APR3 on balance transfers for first 12 billing cycles.. Move from those high-rate cards and start saving money now. Learn more >
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Refi Calculators

© 2022 St. Mary’s Bank - 200 McGregor Street Manchester, NH 03102.  All rights reserved. St. Mary’s Bank is a member-owned credit union. Membership opened with purchase of one share of capital stock for $5. Federally Insured by NCUA.

Call us at 1-888-786-2791 to find out.

How much can we save you with a refi?

refi other loan

1. Rate offer available January 7 through February 28, 2022. Rates subject to change without notice. Annual Percentage Rate (APR) accurate as of 1/7/22. APR based on Personal Unsecured Loan of $5,000 equating to 60 payments of $19.28 per $1,000. APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank checking account. Minimum loan amount $1,000, maximum loan amount $15,000, maximum term 60 months. APR is based on evaluation of applicant's credit, and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term. $50 application fee is waived with automatic funds transfer from a St. Mary's Bank checking account. 

2. Annual Percentage Rate (APR) accurate as of 1/7/22. Lowest available APR for model years 2020-2022, up to a 36-month term. APR based on $10,000 financed with 36 monthly payment of $28.64 per thousand. APR reflects 0.10% discount with Automatic Funds Transfer (AFT) from a St. Mary’s Bank checking account; a 0.25% discount when the loan amount is 80% or less of the MSRP (new auto loans) or 80% or less of the NADA Retail Value (used auto loans), and vehicle with 100,000 miles or fewer. APR for vehicles with 100,001 miles or more will be increased by 1.00%. $50 application fee waived with AFT from a St. Mary’s Bank checking account. We use risk-based pricing to determine the interest rate and/or term. APR and term are based on evaluation of applicant’s credit and the actual rate may vary. Rates subject to change without notice. Other rates and terms available.

3. Annual Percentage Rate (APR) accurate as of 1/7/22. Rates subject to change and will depend on specific characteristics of your loan transaction and credit profile. After the introductory billing cycles, the APR for purchases and balance transfers will be a variable 9.95% APR to 18.95% APR, based on your credit worthiness. Balance Transfer Fee is $10 or 3.00% of the amount of each balance transfer, whichever is greater. 

4. SNAP Mortgage Refinance available for residential 1-4 unit dwellings, including modular homes, new construction with certificate of occupancy, and warrantable and non-warrantable condominiums in New Hampshire (Co-ops, non-owner occupied/investment property, seasonal homes, manufactured homes, and modular homes located in a park or Co-op not eligible). Minimum loan amount $75,000, maximum loan amount $600,000. Rates will depend on specific characteristics of loan transaction and credit profile up to closing date. For properties in Maine and Massachusetts please contact a Mortgage Specialist.

refi your mortgage
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SNAP mortgage refi4
A Simplified, No-closing-cost Approval Process.
Take advantage of today’s low rates without losing time to the traditional refinancing process. Be mortgage-free faster or access the equity in your home. Learn more >

Use our loan calculators to see if you can save money.

Find out about your refinance options

Call us at 1-888-786-2791, or schedule an appointment,