Credit union · NCUA insured
St. Mary's Bank Savings Rates
St. Mary's Bank’s best savings rate is 0.45% APY on $10,000, with its Premier Money Market. Rates checked October 22, 2026.
How St. Mary's Bank’s savings rates compare
Compared with banks and credit unions near Manchester, NH, where St. Mary's Bank has the most branches. $10,000, best rate first.
This credit union’s best
St. Mary's Bank
0.45%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $45
Premier Money Market
Top rate
First Tech Federal Credit Union
3.50%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $350
2nd-highest rate
Ledyard Bank
3.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $325
St. Mary's Bank savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.70%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where St. Mary's Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
3.65%APY on $10,000
Qualification requirements to open account and earn stated APY: maintain an existing or open a St. Mary's Bank checking account (minimum $10 to open, HSA excluded) and add qualifying recurring direct deposit totaling at least $1,500 during each monthly statement cycle. The primary owner of the High Yield Savings account must be the primary owner of the checking account. Up to two statement cycles to establish checking and direct deposits; otherwise balance automatically earns base savings rate of 0.05% APY until requirements are met. Limit one High Yield Savings Account per member. No monthly service fee.
| Part of the balance | Rate on that part |
|---|---|
| Up to $100,000 | 3.59% |
| Over $100,000 | 0.05% |
On $10,000 the tiers blend to about 3.65% APY, earning $365 a year.
Sources (4)
- stmarysbank.com
- stmarysbank.com/rates/deposit-rates
- stmarysbank.com/for-you/bank/high-yield-savings
- stmarysbank.com/for-you/bank/savings
All captured Oct 22, 2026
Premier Money Market
0.45%APY
Monthly service fee waived when the minimum daily balance remains above $2,500. Variable rates are subject to change without notice, and after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Minimum balance of $2,500 required to earn APY. | 0.40% | — | Minimum balance of $2,500 required to earn APY. |
| $10,000 – $25,000Minimum balance of $2,500 required to earn APY. | 0.45% | $45 | Minimum balance of $2,500 required to earn APY. |
| $25,000 – $50,000Minimum balance of $2,500 required to earn APY. | 0.45% | — | Minimum balance of $2,500 required to earn APY. |
| $50,000 – $100,000Minimum balance of $2,500 required to earn APY. | 0.60% | — | Minimum balance of $2,500 required to earn APY. |
| $100,000 – $250,000Minimum balance of $2,500 required to earn APY. | 0.70% | — | Minimum balance of $2,500 required to earn APY. |
| $250,000 – $500,000Minimum balance of $2,500 required to earn APY. | 0.75% | — | Minimum balance of $2,500 required to earn APY. |
| $500,000 – $1,000,000Minimum balance of $2,500 required to earn APY. | 0.80% | — | Minimum balance of $2,500 required to earn APY. |
| $1,000,000 and upMinimum balance of $2,500 required to earn APY. | 0.85% | — | Minimum balance of $2,500 required to earn APY. |
Sources (1)
- stmarysbank.com/for-you/bank/money-market · captured Oct 3, 2026
Rainy Day Savings
0.65%APY on $10,000
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.
| Part of the balance | Rate on that part |
|---|---|
| Up to $501 | 6.77% |
| $501 – $1,001 | 4.88% |
| $1,001 and up | 0.05% |
On $10,000 the tiers blend to about 0.65% APY, earning $65 a year.
Beyond Rewards Savings
0.05%APY
Pair with Beyond Rewards Checking to enjoy competitive interest rates and no monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Beyond Savings Statement
0.05%APY
Monthly service fee waived when you complete one monthly direct deposit or maintain a minimum daily balance of $250. Fees are automatically waived for members under 21 and over age 62.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.05% | — |
Sources (3)
- stmarysbank.com/rates/deposit-rates
- stmarysbank.com/for-you/bank/checking
- stmarysbank.com/for-you/bank/savings
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.10%APY
Pre-tax medical savings account for individuals enrolled in an HSA-eligible high-deductible health plan (HDHP). Unused balances roll over.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.10% | $10 |
Sources (2)
All captured Oct 22, 2026
IRA Savings
0.10%APY
Individual Retirement Account (IRA) savings option. Tax-deferred earnings and potentially tax-deductible contributions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.10% | $10 |
Sources (2)
All captured Oct 22, 2026
Super Saver Statement
0.05%APY
For children ages 12 and under. No minimum daily balance or fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Sources (3)
- stmarysbank.com/rates/deposit-rates
- stmarysbank.com/for-you/bank/family-banking
- stmarysbank.com/for-you/bank/savings
All captured Oct 22, 2026
Closed to new customers
Christmas Club
0.15%APY
Grandfathered Account - no longer available. Term: 50 weeks.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceGrandfathered Account - no longer available.Any balance | 0.15% | $15 | Grandfathered Account - no longer available. |
Sources (1)
- stmarysbank.com/rates/deposit-rates · captured Oct 22, 2026
Winter Club
0.15%APY
Grandfathered Account - no longer available. Term: 50 weeks.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceGrandfathered Account - no longer available.Any balance | 0.15% | $15 | Grandfathered Account - no longer available. |
Sources (1)
- stmarysbank.com/rates/deposit-rates · captured Oct 22, 2026
Beyond Savings Passbook
0.05%APY
Grandfathered Account - no longer available. Maintained for accounts opened prior to 1/12/24.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Grandfathered Account - no longer available.Over $0 | 0.05% | $5 | Grandfathered Account - no longer available. |
Sources (1)
- stmarysbank.com/rates/deposit-rates · captured Oct 22, 2026
Super Saver Savings Passbook
0.05%APY
Grandfathered Account - no longer available. Maintained for accounts opened prior to 1/12/24.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Grandfathered Account - no longer available.Over $0 | 0.05% | $5 | Grandfathered Account - no longer available. |
Sources (1)
- stmarysbank.com/rates/deposit-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.