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Help Yourself to Competitive Rates

Rate Effective Date: February 15, 2019

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%

    Earn Up Money Market Rates

    SpecificationsAmount
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $0.01 - 9,999.99
    0.10%
    0.10%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10,000.00 - 49,999.99
    1.74%
    1.75%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000.00 - 4,999,999.99
    1.98%
    2.00%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $5,000,000.00 +
    1.74%
    1.75%

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%

    Certificates of Deposit Rates

    Terms Interest RateAnnual Percentage Yield (APY)
    18 Month CD SPECIAL* 2.72%2.75%
    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%1.14%
    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 Year4.375%04.426%$5.00
    4.250%14.386%$4.92
    4.125%24.352%$4.85
    20 Year4.375%04.454%$6.26
    4.125%14.344%$6.13
    3.875%24.180%$6.00
    15 Year3.875%03.966%$7.34
    3.625%13.864%$7.22
    3.375%23.797%$7.09
    10 Year3.750%03.889%$10.01
    3.625%13.967%$9.95
    3.250%23.806%$9.78

    Adjustable Rate Mortgages

    PRODUCTINTEREST RATEPointsCAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    3/3 ARM (30 year) 3.500% 02% / 4%4.887%$4.50 first three years
    (36 payments),
    $5.44 after initial adjustment
    (324 payments)
    5/3 ARM (30 year) 3.750%02% / 4%4.750%$4.64 first five years
    (60 payments),
    $5.40 after initial adjustment
    (300 payments)
    7/3 ARM (30 year) 3.875%02% / 4%4.640%$4.71 first seven years
    (84 payments),
    $5.36 after initial adjustment
    (276 payments)
    10/1 ARM (30 year) 4.250%02% / 4%4.675%$4.92 first ten years
    (120 payments),
    $5.36 after initial adjustment
    (240 payments)
  • First Time Homebuyer

    ProductInterest RatePointsCAPSAnnual Percentage RateMonthly Payment per $1,000
    10/1 ARM (30 Year)4.125%01% / 4%5.218%$4.85 first ten years
    (120 payments),
    $5.39 after initial adjustment
    (240 payments)

    MassHousing Mortgages

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    MassHousing Mortgage4.625%05.129%$5.15
    MassHousing Mortgage 100 with no MI5.250%05.781%$5.53
    MassHousing Operation Welcome Home4.625%05.127%$5.15
    MassHousing Mortgage 1004.625%05.129%$5.15
  • HomeOne

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year4.375%04.937%$5.00

    Home Possible Advantage

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year4.375%05.079%$5.00

    USDA Guaranteed Rural Housing

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year4.250%04.783%$5.21
  • 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%
    5.625%2% / 6%6.243%$8.24
    Raw Land (10 Year)
    Product: 3/1 ARM
    40% down is required
    Margin 5.000%
    6.625%2% / 6%6.951%$11.23

Consumer Loans

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  • Auto Loans

    Year of VehicleMax TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    2017-201960 Months3.490%3.508%$18.22*
    2017-201972 Months3.750%3.762%$15.56*
    2014-201660 Months4.000%4.010%$18.45*
    2013 & older36 Months4.500%4.521%$29.80*

    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 5.500%
    0.000%
    5.500%
    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 5.500%
    1.500%
    7.000%
    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
    4.375%
    4.375%
    $18.59
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    4.625%
    4.625%
    $10.43
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    4.875%
    4.875%
    $7.85
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    5.125%
    5.125%
    $6.67
    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
    5.875%
    5.875%
    $19.28
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    6.125%
    6.125%
    $11.17
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    6.375%
    6.375%
    $8.65
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    6.625%
    6.625%
    $7.53

    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%$31.23