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Country Bank for Savings, a Massachusetts chartered mutual savings bank with its Main Office located at 155 West Street, Ware, Massachusetts 01082, is applying with the Federal Deposit Insurance Corporation for permission to establish a full-service branch office at 158 North Main Street, Uxbridge, MA 01569. Any person wishing to comment on this application may file his or her comments in writing with the regional director of the Federal Deposit Insurance Corporation at the appropriate FDIC office located at 15 Braintree Hill Park, Suite 200, Braintree, MA 02184-8701 not later than 15 days from the date of this publication. The non-confidential portions of the application are on file at the appropriate FDIC office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request.

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Help Yourself to Competitive Rates

Rate Effective Date: July 12, 2024

Mortgages

Compare Options

  • Fixed Rate Conventional Residential Owner-Occupied

    Interest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year6.625%06.749%$6.40
    3.375%16.616%$6.16
    6.125%26.482%$6.08
    6.375%06.536%$7.38
    6.000%16.314%$7.16
    5.750%26.217%$7.02
    15 Year6.375%06.577%$8.64
    5.750%16.142%$8.30
    5.375%25.957%$8.10
    10 Year6.375%06.660%$11.29
    5.750%16.305%$10.98
    5.250%26.076%$10.73

    Adjustable Rate Mortgages

    PRODUCTINTEREST RATEPointsCAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    3/3 ARM (30 year) 6.000% 02% / 4%7.409%$6.00 first three years
    (60 payments),
    $7.08 after initial adjustment
    (300 payments)
    5/3 ARM (30 year) 6.125%02% / 4%7.213%$6.08 first five years
    (60 payments),
    $7.04 after initial adjustment
    (300 payments)
    7/3 ARM (30 year) 6.250%02% / 4%7.086%$6.16 first seven years
    (84 payments),
    $7.00 after initial adjustment
    (276 payments)
    10/1 ARM (30 year) 6.500%02% / 4%7.036%$6.32 first ten years
    (120 payments),
    $6.96 after initial adjustment
    (240 payments)
  • First Time Homebuyer

    ProductInterest RatePointsCAPSAnnual Percentage RateMonthly Payment per $1,000
    10/1 ARM First Time Home Buyer (30 Year)**6.500%01% / 4%7.688%$6.32 first ten years
    (120 payments),
    $6.77 after initial adjustment
    (240 payments)
    30 Year Fixed First Time Home Buyer.6256%0N/A7.532%$6.40
    No Down Payment First Time Homebuyer* 10/1 ARM (30 Year)**6.000%01% / 4%7.310%$6.00 first ten years
    (120 payments),
    $6.67 after initial adjustment
    (240 payments)
    30 Year Fixed No Down Payment First Time Homebuyer6.375%0N/A7.269%$6.24

    HomeOne

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year6.625%07.309%$6.40

    Home Possible Advantage

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year6.625%07.458%$6.40
  • USDA Guaranteed Rural Housing

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year6.625%07.202%$6.47

    Land Rates

    PRODUCTINTEREST RATECAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000 - PAYMENTS 1-36MONTHLY PAYMENT PER $1,000 - PAYMENTS 37-180
    Building Lot (15 Year)
    Product: 3/1 ARM
    20% down is required
    Margin 4.000%
    8.000%2% / 6%8.780%$9.56$10.05
    Raw Land (10 Year)
    Product: 3/1 ARM
    40% down is required
    Margin 5.000%
    9.000%2% / 6%9.726%$12.67$13.07

Checking Accounts

Compare Options

  • 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
    0.75%
    0.75%*
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $20,000.01 and up
    0.05%
    0.75% - 0.17%*
    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

Savings Accounts

Compare Options

  • 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
    0.75%
    0.75%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $100,000.01 and up
    0.10%
    0.75% - 0.43%
    Non-qualifying accounts*
    Interest rate:
    Annual Percentage Yield (APY):
    0.10%
    0.10%

    Regular Savings Rates

    SpecificationsAmount
    Interest rate:
    Annual Percentage Yield (APY):
    0.10%
    0.10%

    Choice Savings

    SpecificationsAmount
    Minimum Opening Deposit$10
    Interest Rate:0.10%
    Annual Percentage Yield0.10%

    Certificates of Deposit Rates

    Terms Interest RateAnnual Percentage Yield (APY)
    3-Month (91 Days)0.10%0.10%
    6-Month (182 Days)0.10%0.10%
    9-Month (273 Days)0.40%0.40%
    1-Year4.25%4.33%
    2-Year4.00%4.07%
    3-Year3.75%3.82%
    4-Year3.50%3.56%
    5-Year3.25%3.30%
  • Money Market

    SpecificationsAmount / Rates
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10.00 - $999.99
    0.05%
    0.05%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $1,000 - $9,999.99
    0.10%
    0.10%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10,000 - $49,999.99
    0.15%
    0.15%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000 - $99,999.99
    0.25%
    0.25%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $100,000.00 and above
    0.35%
    0.35%

Consumer Loans

Compare Options

  • Auto Loans

    Year of VehicleMax TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    2022-202460 Months6.750%6.750%$20.96*
    2022-202472 Months7.000%7.008%$18.16*
    2019-202160 Months7.000%7.007%$21.09*
    2018 & older36 Months6.750%6.750%$32.76*

    Mass Save HEAT Loans

    TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    HEAT Loan0%0%$11.90
    Enhanced HEAT Loan0%0%$11.90
    Super HEAT Loan (Heat Pumps Only)0%0%$11.90
  • Collateral Loan

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

    All Loans Subject to Credit Approval

    **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.

     

    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 8.500%
    0.000%
    8.500%
    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 8.500%
    1.500%
    10.000%
    Fixed Rate Term Out Loans via Country Convertible HELOC 1-4 Family Owner-Occupied
    For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less, the interest rates are:
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    5 year
    6.500%
    6.500%
    $19.57
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    6.750%
    6.750%
    $11.48
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    7.000%
    7.000%
    $8.99
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    7.250%
    7.250%
    $7.90
    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
    8.500%
    8.500%
    $20.52
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    8.750%
    8.750%
    $12.53
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    9.000%
    9.000%
    $10.14
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    9.250%
    9.250%
    $9.16
  • Other Consumer Loans

    ProductTermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    Personal Unsecured*36 Months14.000%14.000%$34.18
    Credit Booster**36 MonthsPrime Rate:
    8.500%
    Prime Rate:
    8.500%
    $31.57