FDIC
The FDIC protects your money by insuring deposits at Country Bank. Learn more.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
A Different Kind of Banking in Uxbridge
Celebrating A Year of Making A Difference in Uxbridge
Country Bank Uxbridge Turns 1 Year Old!
Join our Uxbridge banking center team as we celebrate one year of making a difference for our Uxbridge customers. We’ll be celebrating all December long, with special treats and promotional offers, but visit Tuesday, December 16th enter for a chance to win one of two $250 Hannaford gift cards!
Smart Rate. Short Window.
8-Month CD Special 1
Watch your money grow into the new year with this special offer. Skip the line and open online anytime, anywhere it’s convenient for you.
For every account opened, we will donate $100 to a local food bank.
Help us make a difference this holiday season!
Access your home’s potential with a Home Equity Line of Credit (HELOC) 2
Variable and Fixed Rate Options
Our HELOC is made to support you. Use the revolving line of credit to fund multiple projects with the capability to convert the HELOC balance to a fixed rate, fixed term, and fixed principal and interest rate for predictable payments.
Flexible Uses
If you have an upcoming expense, from a home renovation to purchasing a car, or you just need a little breathing room in your budget, our flexible HELOC is the perfect solution for you.
Access Your Home’s Equity
Imagine what a difference having access to extra funds could make in your life. Whether you’re a new or existing customer, tap into your home’s equity to access one of the most affordable loan solutions available. Apply online 24/7 to get started!
No Country Bank Mortgage? No Problem!
While some banks may require you to hold your mortgage with them, we don’t! If your original mortgage is held with another bank or credit union, you are still eligible to apply for a Home Equity Line of Credit (HELOC) at Country Bank!
Student Checking 3
Open Your Account, Get $25
Set your student up for success this summer with $25 from Country Bank when you open a Student Checking Account.* It’s never too early to start teaching smart money habits!
Student Checking Account features you’ll love:
- No monthly maintenance fees.
- Low minimums- $10 deposit to open, never worry about a minimum balance.
- ATM fee refunds.
- A debit card of your own!
A Bank That Makes An Impact
Where You’re More Than a Number
At Country Bank, we believe banking should be about more than numbers — it should be about neighbors. From supporting local nonprofits and schools to investing in programs that strengthen our communities, every dollar your deposits helps make a real difference close to home. Join a bank that’s Made to Make a Difference– where your money works for you and for the community you love.
A Word from Our Customers…
At Country Bank, our customers are at the heart of everything we do– and their stories say it best. Here’s what one satisfied customer had to share about our exceptional service and commitment to making a difference.
“Cameron, Cindy and Kelly were exceptional. I’ve never been welcomed so warmly with kindness, friendliness, professionalism, and efficiency! These same traits I saw in Samantha Squires who is handling my HELOC application. I am happy and hope to be welcomed into the Country Bank family! Thank you Cindy, Cameron, Kelly and Samantha.” ~Uxbridge Customer
Since 1850
Born in Massachusetts
Since 1850, we’ve been a part of Massachusetts families, stories, and communities. We’ve made it through wars, economic crises, famines, and the turns of two centuries. But we couldn’t have made it without you.
As we move through our 175th year in business, stronger than ever, we want to thank the people who got us here: you.
Photo: Your Uxbridge Banking Center Team celebrates at the 175 Anniversary Dinner Event at Salem Cross Inn.
Deposit Insurance
Stay informed and learn how Country Bank makes a difference when it comes to your financial security
View/download insurance FAQs
DIF
Get answers to common deposit insurance questions and understand the difference DIF insurance can make for your money.
Knowing Your Banker Makes a Difference
Cindy Saucier
UXBRIDGE PROMOTIONAL OFFER DISCLOSURES
1 The advertised Annual Percentage Yield (APY) is effective as of 11/03/2025. A minimum of $10,000 in new money is required to open and earn the advertised APY. New money is defined as money that is currently not on deposit at Country Bank. 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.
2The Country Bank Home Equity Line of Credit (HELOC) has a variable periodic rate based on the current Prime Rate (“Index”) plus a Margin. Prime Rate is published in the Wall Street Journal Consumer Money Rates Table. Home Equity Lines of Credit with a Loan-to-Value ratio up to 80% will be priced at Prime rate minus 1 %. The maximum loan amount is $250,000.00. Annual Percentage Rate (APR) is subject to increase to a maximum of 18%, and under no circumstances will the rate ever be less than 4.500% per annum. The APR does not include costs other than interest. 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 obtain advances of credit for 120 months (the “Draw Period”), and minimum monthly payments will be equal to the interest that has accrued on your Account as of the closing date of each billing statement. After the Draw Period ends, you must pay the outstanding balance over 180 months (“Repayment Period”). The minimum periodic payment will equal to 1/180 of the outstanding principal balance, plus accrued interest.
Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances, it would take 25 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 6.500%. During the Draw Period, you would make 120 monthly payments of $54.17. During the Repayment Period, you would make 179 payments varying between $109.73 and $56.16. This would be followed by one final payment of $55.06.
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.
3 The Primary Account owner must be 22 years old or younger. When the primary account holder reaches the age of 23, the Student Checking account will automatically convert into a checking account; disclosures will be provided at that time. We will refund an aggregate of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the monthly statement cycle. Generally, the refund will be credited to your account within two (2) business days. If the account is closed prior to the refund being credited, the refund is forfeited. To be eligible for the $25.00 Student Checking credit, you cannot currently be, or have been, the primary tax owner on a Student Checking account. A minimum balance of $10.00 at account opening is required to qualify. Your Student Checking Account will be credited $25.00 within five (5) business days of opening the account. Bonus may be tax reportable; please consult a tax advisor. Note that rates, fees and balance requirements may vary based on the account available at that time.