Credit union · NCUA insured
St. Mary's Bank Auto Loan Rates
St. Mary's Bank auto loans start at 5.14% APR for a new vehicle and 5.14% for a used one. Rates checked October 22, 2026.
How St. Mary's Bank’s auto loan rates compare
Compared with banks and credit unions near Manchester, NH, where St. Mary's Bank has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Mary's Bank
5.14%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
Auto Model Year 2024 to 2026
Lowest rate
Triangle Credit Union
4.69%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
2nd-lowest rate
Service Credit Union
4.74%APR
- Terms
- —
- Discount
- Included in the rate
St. Mary's Bank auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.14%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Mary's Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Model Year 2011 to 2016
Maximum vehicle mileage 125,000. St. Mary's Bank will not accept blemished titles as collateral (salvaged, TMU, rebuilt). $35 Title, $96 UCC, and $125 VSI fees charged when necessary. $50 application fee is waived with automatic funds transfer from a St. Mary's Bank Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.34% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
| 37–63 months | 7.44% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
Sources (1)
- stmarysbank.com/rates/consumer-loan-rates · captured Oct 22, 2026
Auto Model Year 2017 to 2018
Maximum vehicle mileage 125,000. St. Mary's Bank will not accept blemished titles as collateral (salvaged, TMU, rebuilt). $35 Title, $96 UCC, and $125 VSI fees charged when necessary. $50 application fee is waived with automatic funds transfer from a St. Mary's Bank Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.34% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
| 37–63 months | 6.44% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
Sources (1)
- stmarysbank.com/rates/consumer-loan-rates · captured Oct 22, 2026
Auto Model Year 2019 to 2023
Maximum vehicle mileage 125,000. St. Mary's Bank will not accept blemished titles as collateral (salvaged, TMU, rebuilt). $35 Title, $96 UCC, and $125 VSI fees charged when necessary. $50 application fee is waived with automatic funds transfer from a St. Mary's Bank Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.54% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
| 64–75 months | 6.04% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
| 76–84 months | 6.54% | APR based on $20,000 minimum loan amount. Loan term is available based on evaluation of applicant's credit. APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. |
Sources (1)
- stmarysbank.com/rates/consumer-loan-rates · captured Oct 22, 2026
Auto Model Year 2024 to 2026
Maximum vehicle mileage 125,000. St. Mary's Bank will not accept blemished titles as collateral (salvaged, TMU, rebuilt). $35 Title, $96 UCC, and $125 VSI fees charged when necessary. $50 application fee is waived with automatic funds transfer from a St. Mary's Bank Checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.14% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
| 64–75 months | 5.54% | APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed. |
| 76–84 months | 6.14% | APR based on $20,000 minimum loan amount. Loan term is available based on evaluation of applicant's credit. APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. |
Sources (1)
- stmarysbank.com/rates/consumer-loan-rates · captured Oct 22, 2026
Who can join St. Mary's Bank
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone.
Cost to join
- A $5 membership share is required to join.
Membership information collected October 4, 2026.