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Help Yourself to Competitive Rates

Rate Effective Date: February 24, 2020

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

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)
    *9 Month CD Special1.74%1.75%
    30 Day0.20%0.20%
    3 Month (91 Days)0.30%0.30%
    6 Month (182 Days)0.40%0.40%
    9 Month (273 Days)0.50%0.50%
    1 Year0.60%0.60%
    15 Month0.75%0.75%
    2 Year0.90%0.90%
    3 Year1.00%1.00%
    4 Year1.14%1.15%
    5 Year1.24%1.25%
  • Earn Up Money Market Rates*

    SpecificationsAmount
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10.00 - 9,999.99
    0.10%
    0.10%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10,000.00 - 49,999.99
    0.50%
    0.50%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000.00 - 149,999.99
    1.00%
    1.00%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $150,000.00+
    1.49%
    1.50%**

    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)
    $10.00 - 24,999.99
    0.10%
    0.10%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $25,000.00 - 49,999.99
    0.25%
    0.25%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000.00 - 149,999.99
    0.35%
    0.35%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $150,000.00 +
    0.50%
    0.50%

Mortgages

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  • Fixed Rate Conventional Residential Owner-Occupied

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year3.375%03.452%$4.43
    3.125%13.277%$4.29
    2.875%23.105%$4.15
    20 Year3.125%03.226%$5.61
    3.000%13.210%$5.55
    2.875%23.195%$5.49
    15 Year2.875%02.999%$6.85
    2.750%13.001%$6.79
    2.500%22.917%$6.67
    10 Year2.875%03.072%$9.60
    2.750%13.157%$9.55
    2.500%23.109%$9.43

    Adjustable Rate Mortgages

    PRODUCTINTEREST RATEPointsCAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    3/3 ARM (30 year) 3.250% 02% / 4%4.084%$4.36 first three years
    (36 payments),
    $4.87 after initial adjustment
    (324 payments)
    5/3 ARM (30 year) 3.375%02% / 4%4.000%$4.43 first five years
    (60 payments),
    $4.85 after initial adjustment
    (300 payments)
    7/3 ARM (30 year) 3.500%02% / 4%3.959%$4.50 first seven years
    (84 payments),
    $4.83 after initial adjustment
    (276 payments)
    10/1 ARM (30 year) 3.625%02% / 4%3.928%$4.57 first ten years
    (120 payments),
    $4.81 after initial adjustment
    (240 payments)
  • First Time Homebuyer

    ProductInterest RatePointsCAPSAnnual Percentage RateMonthly Payment per $1,000
    10/1 ARM (30 Year)3.500%01% / 4%4.444%$4.50 first ten years
    (120 payments),
    $4.79 after initial adjustment
    (240 payments)

    HomeOne

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year3.375%03.918%$4.43

    Home Possible Advantage

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year3.375%04.047%$4.43
  • USDA Guaranteed Rural Housing

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year3.250%03.762%$4.64

    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%5.667%$8.24
    Raw Land (10 Year)
    Product: 3/1 ARM
    40% down is required
    Margin 5.000%
    6.625%2% / 6%6.733%$11.42

Consumer Loans

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  • Auto Loans

    Year of VehicleMax TermInterest RateAnnual Percentage RateMonthly Payment per $1,000
    2018-202060 Months3.490%3.508%$18.22*
    2018-202072 Months3.750%3.762%$15.56*
    2015-201760 Months4.000%4.010%$18.45*
    2014 & 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 4.750%
    0.000%
    4.750%
    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 4.750%
    1.500%
    6.250%
    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
    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

    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