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Help Yourself to Competitive Rates

Rate Effective Date: October 22, 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

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 Special1.99%2.01%
    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)
    $0.01 - 9,999.99
    0.10%
    0.10%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $10,000.00 - 49,999.99
    1.00%
    1.00%
    Daily balances of:
    Interest rate:
    Annual Percentage Yield (APY)
    $50,000.00+
    1.74%
    1.75%**

    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
    0.50%
    0.50%
    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%

    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%

Mortgages

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  • Fixed Rate Conventional Residential Owner-Occupied

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year3.750%03.802%$4.64
    3.625%13.766%$4.57
    3.375%23.595%$4.43
    20 Year3.625%03.698%$5.87
    3.500%13.700%$5.80
    3.250%23.557%$5.68
    15 Year3.250%03.344%$7.03
    3.000%13.249%$6.91
    2.750%23.140%$6.79
    10 Year3.125%03.261%$9.72
    3.000%13.370%$9.66
    2.750%23.317%$9.55

    Adjustable Rate Mortgages

    PRODUCTINTEREST RATEPointsCAPSANNUAL PERCENTAGE RATEMONTHLY PAYMENT PER $1,000
    3/3 ARM (30 year) 3.250% 02% / 4%4.178%$4.36 first three years
    (36 payments),
    $4.94 after initial adjustment
    (324 payments)
    5/3 ARM (30 year) 3.375%02% / 4%4.078%$4.43 first five years
    (60 payments),
    $4.91 after initial adjustment
    (300 payments)
    7/3 ARM (30 year) 3.500%02% / 4%4.023%$4.50 first seven years
    (84 payments),
    $4.89 after initial adjustment
    (276 payments)
    10/1 ARM (30 year) 3.625%02% / 4%3.974%$4.57 first ten years
    (120 payments),
    $4.86 after initial adjustment
    (240 payments)
  • First Time Homebuyer

    ProductInterest RatePointsCAPSAnnual Percentage RateMonthly Payment per $1,000
    10/1 ARM (30 Year)3.375%01% / 4%4.403%$4.43 first ten years
    (120 payments),
    $4.82 after initial adjustment
    (240 payments)

    MassHousing Mortgages

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    MassHousing Mortgage4.500%04.991%$5.07
    MassHousing Mortgage 100 with no MI4.875%04.962%$5.30
    MassHousing Operation Welcome Home3.875%04.352%$4.71
    MassHousing Mortgage First Time Homebuyer4.000%04.470%$4.78
  • HomeOne

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year3.750%04.282%$4.64

    Home Possible Advantage

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 year3.750%04.415%$4.64

    USDA Guaranteed Rural Housing

    ProductInterest RatePointsAnnual Percentage RateMonthly Payment per $1,000
    30 Year3.625%04.112%$4.85
  • 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%5.747%$8.24
    Raw Land (10 Year)
    Product: 3/1 ARM
    40% down is required
    Margin 5.000%
    6.625%2% / 6%6.804%$11.42

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 5.000%
    0.000%
    5.000%
    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 5.000%
    1.500%
    6.500%
    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%
    $18.47
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    10 year
    4.625%
    4.625%
    $10.30
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    15 year
    4.875%
    4.875%
    $7.71
    Term:
    Rate:
    Annual Percentage Rate:
    Monthly Payment per $1,000:
    20 year
    5.125%
    5.125%
    $6.53
    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