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All Country Bank offices will close at 12pm on Friday, December 24th and will be closed on Saturday, December 25th. All offices will close at 4pm on Friday, December 31st and will be closed on Saturday, January 1st so our staff can enjoy the holidays with their families. Our ATMs, online and mobile banking will be available for your convenience.

New IRS Reporting Requirements - Click here

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Loan Services

Yes, we participate in the Guaranteed Rural Housing Loan Program. You do not have to be a first time homebuyer. For additional information regarding this program, contact us at 800-322-8233 or email us. Information is also available on the Rural Housing website.

A point is pre-paid interest and each point is equal to 1% of the amount you borrow. For instance, if you borrow $100,000 with one point, the point will be equal to $1,000. Generally, points are paid at closing. Paying points up-front normally allows you to obtain a lower interest rate.

This insurance protects lenders against loss due to foreclosure or loan default. Mortgage insurance is required on conventional loans with less than a 20% down payment.

In most cases your interest would be fully deductible; however, we recommend that you always consult with your tax advisor for advice pertaining to your individual circumstances.

Our mortgage experts would be more than happy to find the right mortgage for you! They can help you determine which option would be right for your financial goals. To see a list of these professionals click here.