Skip to Utility Navigation Skip to Primary Navigation Skip to Main Content
Country Bank Logo

Important Notice: Our Main Street, Ware location will be closing effective November 30, 2022. Click Here for more details.

Skip to Footer

Help Yourself to Competitive Rates

Rate Effective Date: September 28, 2022

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
    0.25%
    0.25%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY):
    $100,000.01 and up
    0.05%
    0.25% - 0.15%
    Non-qualifying accounts*
    Interest rate:
    Annual Percentage Yield (APY):
    0.05%
    0.05%

    Regular Savings Rates

    SpecificationsAmount
    Interest rate:
    Annual Percentage Yield (APY):
    0.05%
    0.05%

    Certificates of Deposit Rates

    Terms Interest RateAnnual Percentage Yield (APY)
    30 Day0.05%0.05%
    3 Month (91 Days)0.10%0.10%
    6 Month (182 Days)0.10%0.10%
    9 Month (273 Days)0.10%0.10%
    1 Year0.15%0.15%
    15 Month0.15%0.15%
    2 Year0.25%0.25%
    3 Year0.30%0.30%
    4 Year0.30%0.30%
    5 Year0.40%0.40%
  • Money Market

    SpecificationsAmount / Rates
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10.00 - $99,999.99
    0.05%
    0.05%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $100,000.00 and above
    0.10%
    0.10%

Mortgages

Compare Options

  • Fixed Rate Conventional Residential Owner-Occupied

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year5.250%05.310%$5.53
    5.125%15.274%$5.45
    5.000%25.239%$5.47
    20 Year5.250%05.330%$6.74
    5.125%15.327%$6.67
    5.000%25.324%$6.60
    15 Year5.000%05.102%$7.91
    4.875%15.130%$7.85
    4.750%25.159%$7.78
    10 Year5.000%05.145%$10.61
    4.875%15.238%$10.55
    4.750%25.333%$10.49

    Adjustable Rate Mortgages

    PRODUCTINTEREST RATEPointsCAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    3/3 ARM (30 year) 3.750% 02% / 4%5.859%$4.64 first three years
    (36 payments),
    $6.28 after initial adjustment
    (324 payments)
    5/3 ARM (30 year) 3.875%02% / 4%5.562%$4.71 first five years
    (60 payments),
    $6.19 after initial adjustment
    (300 payments)
    7/3 ARM (30 year) 4.000%02% / 4%5.339%$4.78 first seven years
    (84 payments),
    $6.11 after initial adjustment
    (276 payments)
    10/1 ARM (30 year) 4.125%02% / 4%5.113%$4.85 first ten years
    (120 payments),
    $6.00 after initial adjustment
    (240 payments)
  • First Time Homebuyer

    ProductInterest RatePointsCAPSAnnual Percentage RateMonthly Payment per $1,000
    10/1 ARM (30 Year)4.000%01% / 4%5.858%$4.78 first ten years
    (120 payments),
    $5.94 after initial adjustment
    (240 payments)

    HomeOne

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year7.125%07.808%$6.74

    Home Possible Advantage

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year7.125%07.980%$6.74
  • USDA Guaranteed Rural Housing

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year7.125%07.638%$7.03

    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%
    6.375%2% / 6%7.419%$9.40
    Raw Land (10 Year)
    Product: 3/1 ARM
    40% down is required
    Margin 5.000%
    7.375%2% / 6%8.225%$12.43
  • MassHousing Mortgages

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    MassHousing Mortgage Above 80 AMI7.125%07.713%$6.74
    MassHousing Mortgage Below 80 AMI7.125%07.713%$6.74
    MassHousing First Time Homebuyer Mortgage6.625%07.199%$6.41

Consumer Loans

Compare Options

  • Auto Loans

    Year of VehicleMax TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    2021-202360 Months3.250%3.255%$18.11*
    2021-202372 Months3.500%3.503%$15.44*
    2018-202060 Months3.750%3.761%$18.34*
    2017 & older36 Months4.000%4.024%$29.58*

    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%
  • Mass Save HEAT Loans

    TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    HEAT Loan up to $15,0000%0%$11.91

    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.

     

  • 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 6.250%
    0.000%
    6.250%
    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 6.250%
    1.500%
    7.750%
    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
    5.375%
    5.375%
    $18.70
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    5.625%
    5.625%
    $10.55
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    5.875%
    5.875%
    $7.98
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    6.125%
    6.125%
    $6.81
    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
    6.875%
    6.875%
    $19.40
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    7.125%
    7.125%
    $11.30
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    7.375%
    7.375%
    $8.78
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    7.625%
    7.625%
    $7.68

    Other Consumer Loans

    ProductTermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    Personal Unsecured*36 Months14.000%14.000%$34.18
    Credit Booster**36 MonthsPrime +4%Prime +4%$32.18