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Help Yourself to Competitive Rates

Effective Date: July 18, 2018

Checking Accounts

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  • Free Kasasa Cash Checking®

    SpecificationsAmount / Rates
    Minimum opening deposit:$10
    Minimum balance to obtain Annual Percentage Yield:None
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $0.00 - $20,000.00
    1.98%
    2.00%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $20,000.01 and up
    0.25%
    2.00% - 0.54%
    Non-qualifying accounts*
    Interest rate:
    Annual Percentage Yield (APY):
    0.05%
    0.05%

    Free Checking

    SPECIFICATIONSAMOUNT
    Minimum opening deposit:$10
    Minimum balance to obtain Annual Percentage Yield:N/A

    Standard Money Market

    SpecificationsAmount / Rates
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10.00 - $1,000.00
    0.20%
    0.20%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $1,000.01 - 10,000.00
    0.20%
    0.20%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10,000.01 - 50,000.00
    0.25%
    0.25%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000.01 - 100,000.00
    0.30%
    0.30%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $100,000.01 and above
    0.35%
    0.35%

    High Yield Money Market Rates

    SpecificationsAmount
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10,000 - 24,999.99
    0.10%
    0.10%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $25,000.00 - 49,999.99
    0.35%
    0.35%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000.00 - 149,999.99
    0.75%
    0.75%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $150,000.00 - 1,999,999.99
    1.00%
    1.00%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $2,000,000.00 and above
    1.00%
    1.00%

Savings Accounts

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  • Kasasa Saver®

    SpecificationsAmount
    Minimum opening deposit:$10
    Minimum balance to obtain Annual Percentage Yield: None
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $0.00 - $100,000.00
    0.99%
    1.00%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $100,000.01 and up
    0.30%
    1.00% - 0.65%
    Non-qualifying accounts*
    Interest rate:
    Annual Percentage Yield (APY):
    0.05%
    0.05%

    Regular Savings Rates

    SpecificationsAmount
    Interest rate:
    Annual Percentage Yield (APY):
    0.15%
    0.15%

    Christmas Club Savings Accounts

    SpecificationsAmount
    Interest rate:
    Annual Percentage Yield (APY):
    0.15%
    0.15%

    Certificates of Deposit Rates

    Terms Interest RateAnnual Percentage Yield (APY)
    1 Year CD SPECIAL OFFER: Good Deed CD*1.49% 1.50%
    30 Day0.20%0.20%
    3 Month $500 - 25,000.00 (91 Days)0.20%0.20%
    3 Month $25,000.01 to 49,999.99 (91 Days)0.45%0.45%
    3 Month $50,000 and up (91 Days)0.45%0.45%
    6 Month (182 Days)0.45%0.45%
    9 Month (273 Days)0.55%0.55%
    1 Year0.60%0.60%
    15 Month0.75%0.75%
    2 Year1.14%1.15%
    3 Year1.24%1.25%
    4 Year1.49%1.50%
    5 Year1.59%1.60%

Mortgages

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  • Fixed Rate Conventional Residential Owner-Occupied

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year4.500%04.554%$5.07
    4.375%14.533%$5.00
    4.250%24.480%$4.92
    20 Year4.375%04.449%$6.26
    4.250%14.453%$6.20
    4.000%24.319%$6.06
    15 Year4.125%04.240%$7.46
    3.875%14.106%$7.34
    3.625%24.023%$7.22
    10 Year4.000%04.119%$10.13
    3.750%14.083%$10.01
    3.375%23.957%$9.84

    Adjustable Rate Mortgages

    PRODUCTINTEREST RATEPointsCAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    3/3 ARM (30 year) 3.250% 02% / 4%4.734%$4.36 first three years
    (36 payments),
    $5.35 after initial adjustment
    (324 payments)
    5/3 ARM (30 year) 3.500%02% / 4%4.582%$4.50 first five years
    (60 payments),
    $5.31 after initial adjustment
    (300 payments)
    7/3 ARM (30 year) 3.625%02% / 4%4.458%$4.57 first seven years
    (84 payments),
    $5.27 after initial adjustment
    (276 payments)
    10/1 ARM (30 year) 3.875%02% / 4%4.398%$4.71 first ten years
    (120 payments),
    $5.23 after initial adjustment
    (240 payments)
  • First Time Homebuyer

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    10/1 ARM (30 Year)3.750%04.902%$4.64 first ten years
    (120 payments),
    $5.04 after initial adjustment
    (240 payments)

    MassHousing Mortgages

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    MassHousing Mortgage*4.750%05.273%$5.22
    MassHousing Mortgages with no MI5.500%05.582%$5.68
    MassHousing Operation Welcome Home4.750%05.257%$5.22
    MassHousing Mortgage 1004.750%05.257%$5.22
  • Home Possible

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year4.500%05.071%$5.07

    Home Possible Advantage

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year4.500%05.214%$5.07

    USDA Guaranteed Rural Housing

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year4.375%04.869%$5.28
  • Land Rates

    PRODUCTINTEREST RATECAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    Building Lot (15 Year)
    Product: 3/1 ARM
    20% down is required.
    Margin 4.000%
    5.500%2% / 6%6.116%$8.18
    Raw Land (10 Year)
    Product: 3/1 ARM
    40% down is required. Margin is 5.000%
    6.500%2% / 6%7.031%$11.36

Consumer Loans

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  • Auto / Motorcycle Loans

    Year of VehicleMax TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    2016-201860 Months2.990%2.990%$19.05*
    2016-201872 Months3.250%3.250%$16.23*
    2013-201560 Months3.500%3.500%$19.29*
    2012 & older36 Months4.000%4.000%$31.30*

    Credit Score 660-680

    SpecificationsAmounts
    Loan Amount:$1,000
    Interest Rate:14.000%
    Annual Percentage Rate:14.000%

    Credit Score 681-720

    SpecificationsAmounts
    Loan Amount:$2,000
    Interest Rate:14.000%
    Annual Percentage Rate:14.000%

    Credit Score 721+

    SpecificationsAmounts
    Loan Amount:$3,000
    Interest Rate:14.000%
    Annual Percentage Rate:14.000%
  • Home Improvement Loans

    TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    Home Improvement up to 60 months7.000%7.000%$19.81

    Single Payment Demand

    Single payment consumer loans will be made at 4% above Prime rate.

  • Other Consumer Loans

    ProductTermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    Personal Unsecured
    (Max $5,000)
    36 Months14.000%14.000%$34.18
    New RV*12 - 36 Months8.750%8.750%$31.68**
    New RV*36 - 60 Months9.000%9.000%$20.76**
    Used RV*12 - 36 Months9.000%9.000%$31.80**
    Used RV*36 - 60 Months9.750%9.750%$21.12**
    Credit Booster***12 - 36 MonthsPrime +4%Prime +4%$31.23

    Country Convertible Home Equity Line of Credit

     
    Home Equity Line of Credit with a Loan-to-Value of 80% or less:
    Term:
    Rate:
    Margin:
    Annual Percentage Rate:
    10 Year Draw. 15 Year Repayment
    Prime Rate: Currently 5.000%
    0.000%
    5.000%
    Home Equity Line of Credit with a Loan-to-Value of 80.01% - 95%:
    Term:
    Rate:
    Margin:
    Annual Percentage Rate:
    10 Year Draw. 15 Year Repayment
    Prime Rate: Currently 5.000%
    1.500%
    6.500%
    Fixed Rate Term Out Loans via Country Convertible HELOC 1-4 Family Owner-Occupied
    The rate for the Fixed Rate Term Out Loan will be based on the Loan-to-Value of the Home Equity Line of Credit.
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    5 year
    3.875%
    3.875%
    $18.37
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    4.125%
    4.125%
    $10.19
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    4.375%
    4.375%
    $7.59
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    4.625%
    4.625%
    $6.40
    For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95%, the interest rates are:
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    5 year
    5.375%
    5.375%
    $19.05
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    5.625%
    5.625%
    $10.92
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    5.875%
    5.875%
    $8.38
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    6.125%
    6.125%
    $7.24
  • Collateral Loan

    Fixed Rate Collateral Loan
    3% above Prime rate with a minimum rate of 6%**

    Adjustable Rate Collateral Loan
    3% above Prime rate with a maximum rate of 18%

    **If payment is automatically deducted from a new or existing Country Bank checking or savings account, the rate will be reduced by 0.250 percentage points. New accounts must be opened prior to closing.