Consumer Loans

Types of Loans Benefits

A Home Equity Line of Credit may provide a significant tax advantage; be sure to consult with your tax advisor regarding the deductibility of interest. For the first 10 years you can draw on your line. During this time you will be billed for interest only. After 10 years, the draw period ends and you begin making fixed principal and interest payments over the next 15 years. (Click here for further disclosure.)
Our Country Convertible Equity Line of Credit gives you the option to convert all or a portion of your equity line into a fixed-rate loan.

Overdraft LOC
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Our Overdraft Line of Credit loan product offers overdraft protection for your personal checking account. If your checking account goes in the negative, an advance from the LOC will transfer funds into the checking account to pay the check/debit.

Credit Booster Loan
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The Credit Booster Loan† is a loan designed to help you build or repair your credit. The loan amount is held by the bank as collateral. Loan proceeds become available as payments are made and if payments are made on time it may help build or repair your credit! As an added incentive to make payments on time, you will receive a credit up to a maximum of $50 when the loan is paid off.

† Must be 18 or older to apply
Auto, RV and Boat Loans
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Whether you are looking to purchase a new or used car, our fast and easy application process and quick turnaround will have you on the road in no time. We offer flexible terms with fixed monthly payments that make financing your vehicle easy and affordable. Looking to explore the wilderness and have a little outdoor fun? We offer financing for all kinds of recreational vehicles including boats, motor homes, snowmobiles, and campers. We offer convenient and flexible terms designed to meet your borrowing needs and budget. We make loans for both new and used motorcycles at competitive rates and offer flexible terms designed to meet your individual needs.

Personal Loans
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Its flexible features and simple application process makes this a very popular loan option. Our competitive rates make your payments easy and affordable; you may even qualify for more than you think!

Home Improvement Loans
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Your home is one of the best investments you can make, and home improvements can help increase the value of your investment. So whatever you're looking to do - a Home Improvement Loan from Country Bank can help make it happen. The maximum amount available for our Home Improvement Loans is $10,000.

Mass Save HEAT Loans

Country Bank has joined The Mass Save HEAT Loan Program to offer qualified customers the opportunity to apply for an interest free loan for installing energy efficient heating improvements in their homes for up to $15,000. To qualify you must have a Mass Save Energy Assessment completed along with a contractor proposal and associated documents for eligibility. For more information regarding Mass Save HEAT Loans, visit their website at or simply give us a call at 800-322-8233. You may also call (866) 527-7283 to schedule a free home energy assessment through Mass Save in order to access this incentive.

Click here for rates and disclosures. 

Click here to download a Consumer Loan Application.

We look forward to helping you reach all of your financial goals. We'll be here to assist you with your banking needs or to answer any questions you may have regarding our many products and services.

For complete details on any loan product, call 800-322-8233 or visit any Country Bank office to speak with one of our loan professionals.

To calculate various financing and payment options, use our handy loan calculators.

Loan Services

  • Automatic Payments to have your monthly payment deducted from one of your accounts with Country Bank or another bank
  • Credit, Life and Disability Insurance is available on most loans
Country Bank is a full-service, mutual savings bank with 14 branch locations helping the families and businesses of central and western Massachusetts. For the

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