Rates

Owner-Occupied Construction Mortgage financing is based on a single closing construction-to-permanent basis. The rates and terms are the same as Owner-Occupied Fixed and Adjustable Rate products.
All Annual Percentage Rates (APR) listed assume a $165,000 mortgage and a 20% downpayment unless otherwise stated. Private Mortgage Insurance (PMI) required if the downpayment is less than 20%.
Rates shown are for owner-occupied properties.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval
Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing).
Mobile Homes with own land will be financed as a 15 Year (180 months) amortization

Owner-Occupied Construction Mortgage financing is based on a single closing construction-to-permanent basis. The initial interest rate may be discounted until the first review period. The annual percentage rate is subject to increase or decrease after closing.

All Annual Percentage Rates (APR) listed assume a $165,000 mortgage and a 20% downpayment unless otherwise stated. Private Mortgage Insurance (PMI) required if the downpayment is less than 20%.

Rates shown are for owner-occupied properties.

Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.

Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.

All loan applications are subject to credit approval

Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing).

Mobile Homes with own land will be financed as a 15 Year (180 months) amortization.

Rates May Increase After Consummation. Mortgage payments per $1,000 based on 30-year amortization.

 *CAP Structure: Initial Adjustment/Lifetime Adjustment. The margin on all Adjustable Rate mortgages is 2.750% unless otherwise noted.

**Payment based on fully indexed rate for next adjustment period.

Disclosure:
All Annual Percentage Rates (APR) listed below assume a $165,000 mortgage and a 20% down payment unless otherwise stated. Private Mortgage Insurance (PMI) required if the down payment is less than 20%.

**Lender-paid Private Mortgage Insurance (PMI); Income and Property Location Restrictions Apply.
Rates shown are for owner-occupied properties.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval.
Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing) For all Adjustable Rate Mortgages (ARM), the Rates May Increase After Consummation. Mortgage payments per $1,000 based on 30-year amortization. The margin on all Adjustable Rate First Time Home Buyer mortgages (ARM) is 2.250%, unless otherwise noted.”

HOMEONE

HOME POSSIBLE ADVANTAGE

Annual Percentage Rate (APR) based on guarantee fee of 1.00% and annual fee of 0.35%

Rates shown are for owner-occupied properties.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval.
Interest Rate Lock for 75 days upon receipt of signed intent to proceed and applicable application fee.
Annual Percentage Rate (APR) based on guarantee fee of 1.00% and annual fee of 0.35%

All Annual Percentage Rates (APR) listed assume a $165,000 mortgage and a 20% down payment unless otherwise stated.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.

Payment based on fully indexed rate for next adjustment period.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval.
Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing).

CAPS: Initial Adjustment/Lifetime Adjustments.

The Country Bank Home Equity Line of Credit (HELOC) has a variable periodic rate based on the current Prime Rate plus a Margin. Home Equity Lines of Credit with a Loan-to-Value ratio up to 80% will be priced at Prime rate plus a margin of 0%. Home Equity Lines of Credit with a Loan-to-Value of 80.01% and a maximum Loan-to-Value ratio of 95% will be priced at Prime rate plus a margin of 1.50%, and the maximum loan amount is $250,000.00.. Annual Percentage Rate (APR) is subject to increase to a Maximum of 18%.. Hazard insurance is required. Early Termination fee of $500.00 may apply if the Home Equity Line of Credit is closed and discharged within thirty-six (36) months from the date of the Note. For loan requests less than $250,000.00, if the Bank is unable to determine a value using our standard method, you have the option to pay for a full appraisal. For loan requests equal to or greater than $250,000.00, the Bank requires a full appraisal be completed on your home to determine the value. The current cost for a full appraisal is $475.00 for a single-family property or $575.00 for a 2-4 family property. ..For loan requests less than $250,000.00, the standard closing and recording costs will be paid by the Bank. You will be responsible for any fee(s) associated with delivering clear, marketable, and insurable title, including but not limited to discharge fees and/or any fees to establish or maintain a Homestead Act. For loan requests equal to or greater than $250,000 or for properties where title will be held in the name of a trust, the Bank requires a full title exam, title policy, and title certification at your expense. You will be responsible for any fee(s) associated with delivering clear, marketable, and insurable title, including but not limited to discharge fees and/or any fees to establish or maintain a Homestead Act. Closing costs will range from $1,763 to $1,945 and will vary based on the line amount requested and the attorney chosen by the Bank to conduct the closing. You may receive, upon request, a good faith itemization of these costs. Maximum LTV is 95%; Minimum credit limit is $15,000.00. You can convert all or a portion of your balance to a Fixed Rate Term Out Loan during the term of your draw period. A maximum of three (3) Fixed Rate Term Out Loans can be taken. Call us for additional rates and details!

All loan applications are subject to credit approval.

Credit Booster Minimum $200.00 Max $3,000.00.

Minimum term: 12 months

All rates are subject to change without notice.

All loans are 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.

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The interest rate and annual percentage yield may change after account opening. Account Qualifications that must be met on the Kasasa Checking account (per qualification cycle): Have at least 12 debit card purchases post and settle; have at least one direct deposit, one automatic ACH transaction, or bill payment transaction post and settle; and be enrolled in and agree to receive eStatements. $10 minimum balance required to open account. Fees could reduce earnings on the account Limited to one account per SSN/TIN.

Minimum balance to earn the Annual Percentage Yield (APY) is $500. No withdrawals permitted within the first six (6) days after the date of deposit. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

* High Yield 14 Month CD Special: The advertised Annual Percentage Yield (APY) is effective as of 04/14/2025. A minimum of $10,000 in new money is required to open, and is considered as any funds not currently on deposit with Country Bank. You must maintain a minimum daily balance of $500 in the account each day to obtain the advertised APY. Fees may reduce earnings on the account. No withdrawals are permitted within the first six (6) days after the date of deposit. A penalty may be assessed for early withdrawals. Offer is not available for IRAs or municipalities and may be discontinued at any time.

** 14 Month CD: For customers who don’t qualify for the High Yield 14 Month CD Special, we are offering a competitive 14 Month CD with no new money requirement. The advertised Annual Percentage Yield (APY) is effective as of 04/14/2025. A minimum of $500 is required to open and earn the advertised APY. Fees may reduce earnings on the account. No withdrawals are permitted within the first six (6) days after the date of deposit. A penalty may be assessed for early withdrawals. Offer is not available for IRAs or municipalities and may be discontinued at any time.”

*** 6 Month CD Special: The advertised Annual Percentage Yield (APY) is effective as of 04/28/2025. A minimum of $500 is required to open and earn the advertised APY. Fees may reduce earnings on the account. No withdrawals are permitted within the first six (6) days after the date of deposit. A penalty may be assessed for early withdrawals. Offer is not available for IRAs and may be discontinued at any time.”

$10 minimum balance required to open account.
$10 daily balance to earn APY.
The rate may change after the account is opened. Fees could reduce earnings on the account.