Home Improvement Loans

Transform your living space without tapping into your home equity.
Apply Online View Rates

Home Improvement Loan

Transform your living space without tapping into your home equity. Our home improvement financing solutions can help bring your dream renovation to life, whether it's a stunning kitchen makeover, stylish new flooring, or other upgrades on your wish list. Enjoy competitive rates, expanded repayment terms, and a simple application process. 

  • Fixed-rate loan
  • Borrow up to $25,000
  • No appraisal required
  • Repayment terms up to 84 months

Apply for a Home Improvement Loan

Ready to finish or check the status of your application? Click here.


Green Rate Loan

Go green and you could keep more green in your wallet. St. Mary’s Bank helps homeowners reduce borrowing costs when improving their home with energy-efficient upgrades like insulation, solar panels, and appliances. Slash utility bills and boost your home's value. 

  • Low fixed rates
  • Borrow up to $25,000
  • No collateral required
  • Repayment terms up to 84 months

Apply for a Green Rate Loan

Ready to finish or check the status of your application? Click here.

To see important details, including additional rates and terms, visit the Consumer Loan Rates Page.

Did You Know?

Examples of energy-saving projects include:

  • Installing new heating or cooling systems - furnaces, central AC, and ceiling fans
  • Improving energy efficiency by installing new windows, doors, and insulation
  • Purchasing new energy-efficient appliances like a washer and dryer, dishwasher, and refrigerator

Use the Untapped Equity

Looking to take on a larger project? Our Home Equity Line of Credit featuring a Lock Option (HELLO) can give you a greater credit limit to work with.

Learn More about HELLO

FAQs

I am interested in applying for a loan with St. Mary's Bank. I'm self-employed. Will you need to see my tax returns?
Generally, we will request that you provide two years of tax returns if you are self-employed.
How do I check the status of a recent loan application?
To check the status of a consumer loan (home equity, credit card, personal loan, or vehicle loan) in progress, click here.
Do I need to create an account to make a loan payment from an external account?
You can register and create an account for added convenience when making future payments, or you can choose “Express Pay” if you would like to make a payment without creating an account.
Can I make additional payments to loan principal or interest?
Payment amounts are limited to your regular payment amount due at this time. Payment of another amount may result in a delay in the processing of your payment. If you wish to make additional principal-only payments, you can do so through our payment channels, by visiting a local branch, or calling our Member Contact Center.

Explore

See All Posts
Image of multiple fake blank checks to illustrate fraudulent check scams

How to Spot Fake Check Scams: Protect Yourself and Your Finances

Team News

Tina M. Brown Joins St. Mary’s Bank as Business Development Team Lead

Team News

St. Mary’s Bank Promotes Sanela Zulic to Vice President, Regional Manager North