What are the current interest rates at Country Bank for Savings?

Current rates for Country Bank for Savings include: 12-Month CD: 0.50%, 18-Month CD: 4.07%, 24-Month CD: 0.50%, 36-Month CD: 0.75%, 48-Month CD: 1.00%, 60-Month CD: 1.00%, Savings: 3.30%, MMA: 0.35%

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Country Bank for Savings Rates & Review October 2026

Q: How many branches does Country Bank for Savings operate?

Country Bank for Savings currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Country Bank for Savings provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Country Bank for Savings's top rates as of October 12, 2026 are 4.23% APY on its Relationship 18-Month CD, 3.30% APY on savings, 0.35% APY on money market accounts, 3.60% APY on checking, 5.375% on its Adjustable Rate Mortgages - 5/3 ARM (30 year), and personal loans from 14.00% APR, according to rates verified by MonitorBankRates. Other Country Bank for Savings CD rates include 18-Month CD Special at 4.07%, Relationship 14-Month CD at 4.07%, and Relationship 10-Month CD at 3.82%. Other Country Bank for Savings mortgage rates include 15 Year Fixed Rate Conventional Residential Owner-Occupied Loan at 5.75%, 10 Year Fixed Rate Conventional Residential Owner-Occupied Loan at 5.625%, and Low Down Payment First Time Homebuyer 10/1 ARM (30 Year) at 5.875%. MonitorBankRates evaluates the financial stability of Country Bank for Savings with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.28%. Rates last updated and verified on 10/12/2026.

Country Bank for Savings money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Country Bank for Savings? Share your experience about Country Bank for Savings by leaving a review below, or read customer reviews before you decide to use Country Bank for Savings.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.28%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Country Bank for Savings

155 West St
Ware, MA 01082

https://www.countrybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Country Bank for Savings CD Rates

Product	Rate	APY	Term
Relationship 18 Month CD	4.15%	4.23%	18 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 4.23% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month CD Special	4.00%	4.07%	18 Month
Details Open Online Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 14 Month CD	4.00%	4.07%	14 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56% Oct 3, 20264.07%▲ from 3.56% Sep 20, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 10 Month CD	3.75%	3.82%	10 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
14 Month CD	3.75%	3.81%	14 Month
Details Open Online Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.20% → 3.81% ▲ 0.61 pts · high 3.81% / low 3.20% Oct 3, 20263.81%▲ from 3.20% Sep 20, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10 Month Add On CD Special	3.50%	3.56%	10 Month
Details Open Online Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 6 Month CD	3.50%	3.56%	6 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.82% → 3.56% ▼ 0.26 pts · high 3.82% / low 3.56% Oct 3, 20263.56%▼ from 3.82% Sep 20, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
6 Month CD Special	3.25%	3.30%	6 Month
Details Open Online Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.04% → 3.30% ▲ 0.26 pts · high 3.30% / low 3.04% Oct 3, 20263.30%▲ from 3.04% Sep 20, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 28 Month CD	3.25%	3.30%	28 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 42 Month CD	3.25%	3.30%	42 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
28 Month CD Special	3.00%	3.04%	28 Month
Details Open Online Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
42 Month CD Special	3.00%	3.04%	42 Month
Details Open Online Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
56 Month CD Special	3.00%	3.04%	56 Month
Details Open Online Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 4-Year	1.00%	1.00%	4-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 5-Year	1.00%	1.00%	5-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 3-Year	0.75%	0.75%	3-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 1-Year	0.50%	0.50%	1-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 2-Year	0.50%	0.50%	2-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 9-Month	0.25%	0.25%	9-Month (273 Days)
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 3-Month	0.10%	0.10%	3-Month (91 Days)
Min Balance $500 Details Balance: $500.00-25,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 3-Month	0.10%	0.10%	3-Month (91 Days)
Min Balance $25,000 Details Balance: $25,000.01-49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 3-Month	0.10%	0.10%	3-Month (91 Days)
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship CDs - 6-Month	0.10%	0.10%	6-Month (182 Days)
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Savings Rates

Product	Rate	APY
High Yield Savings Account	3.25%	3.30%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Advantage Savings	0.10%	0.10%
Min Balance $10 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Choice Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Statement Savings	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Money Market Rates

Product	Rate	APY
Money Market Accounts	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.05%	0.05%
Min Balance $10 Details Balance: $10.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Checking Rates

Product	Rate	APY
Paired With Relationship Rewards Checking	3.50%	3.60%
Min Balance $10 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Paired With Perks Checking	0.75%	0.80%
Min Balance $10 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship Rewards Checking	0.25%	0.25%
Min Deposit $100 Min Balance $10 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate Conventional Residential Owner-Occupied Loan	5.75%	2	6.171%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.17% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10 Year Fixed Rate Conventional Residential Owner-Occupied Loan	5.625%	2	6.221%	10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.22% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Low Down Payment First Time Homebuyer 10/1 ARM (30 Year)	5.875%	0	6.237%	30 Year
Details CAPS: 1% / 4%; Monthly Payment per $1,000: $5.84 first ten years (120 payments). $6.31 after initial adjustment (240 payments)** Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.20% → 6.24% ▲ 0.04 pts · high 6.24% / low 6.20% Sep 24, 20266.24%▲ from 6.20% Sep 16, 20266.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10 Year Fixed Rate Conventional Residential Owner-Occupied Loan	5.875%	1	6.246%	10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
15 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.00%	1	6.263%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.125%	0	6.273%	10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.27% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10/1 ARM First Time Home Buyer (30 Year)	6.00%	0	6.319%	30 Year
Details CAPS: 1% / 4%; Monthly Payment per $1,000: $5.84 first ten years (120 payments). $6.31 after initial adjustment (240 payments)** Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.28% → 6.32% ▲ 0.04 pts · high 6.32% / low 6.28% Sep 24, 20266.32%▲ from 6.28% Sep 16, 20266.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
20 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.00%	2	6.337%	20 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
15 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.25%	0	6.355%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.125%	2	6.381%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Adjustable Rate Mortgages - 7/3 ARM (30 year)	5.50%	0	6.414%	30 year
Details CAPS*: 2% / 4% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.41% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
20 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.25%	1	6.461%	20 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.46% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Adjustable Rate Mortgages - 10/1 ARM (30 year)	6.00%	0	6.487%	30 year
Details CAPS*: 2% / 4% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.375%	1	6.536%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed Low Down Payment First Time Homebuyer	6.50%	0	6.564%	30 Year
Details CAPS: N/A; Monthly Payment per $1,000: $6.32 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.56% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Adjustable Rate Mortgages - 5/3 ARM (30 year)	5.375%	0	6.569%	30 year
Details CAPS*: 2% / 4% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
20 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.50%	0	6.584%	20 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed First Time Home Buyer	6.625%	0	6.69%	30 Year
Details CAPS: N/A; Monthly Payment per $1,000: $6.40 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.69% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed Rate Conventional Residential Owner-Occupied Loan	6.625%	0	6.69%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Building Lot (15 Year) - 3/1 ARM	7.25%	-	8.088%	15 Year
Details 20% down is required; Margin 4.000% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.02% → 8.09% ▲ 0.07 pts · high 8.09% / low 8.02% Sep 24, 20268.09%▲ from 8.02% Sep 16, 20268.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Mortgage - 30 year Loan	7.50%	0	8.111%	30 year
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 24, 2026 · 7.85% → 8.11% ▲ 0.26 pts · high 8.24% / low 7.85% Oct 12, 20268.11%▼ from 8.24% Oct 8, 20268.24%▲ from 8.11% Sep 28, 20268.11%▲ from 7.85% Sep 24, 20267.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Raw Land (10 Year) - 3/1 ARM	8.25%	-	8.961%	10 Year
Details 40% down is required; Margin 5.000% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.91% → 8.96% ▲ 0.05 pts · high 8.96% / low 8.91% Sep 24, 20268.96%▲ from 8.91% Sep 16, 20268.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Term Out Loans via Country Convertible HELOC	6.25%	-	6.25%	5 year
Details Loan-to-Value of 80% or Less Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 20, 20266.25%▲ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	6.625%	-	6.625%	10 year
Details Loan-to-Value of 80% or Less Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.63% ▲ 0.38 pts · high 6.63% / low 6.25% Sep 20, 20266.63%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	6.75%	-	6.75%	15 year
Details Loan-to-Value of 80% or Less Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 20, 20266.75%▲ from 6.50% Sep 16, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible Home Equity Line of Credit	-	-	7.00%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Loan-to-Value of 80% or less; Margin: 0.000% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	7.00%	-	7.00%	20 year
Details Loan-to-Value of 80% or Less Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 20, 20267.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
HELOC	-	-	7.00%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Home Equity Line of Credit with a Loan-to-Value of 80% or less; Margin: 0.000% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	7.75%	-	7.75%	5 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Sep 20, 20267.75%▲ from 7.50% Sep 16, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Lines of Credit	7.75%	-	7.75%	5 year
Details Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	8.125%	-	8.125%	10 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.75% → 8.13% ▲ 0.38 pts · high 8.13% / low 7.75% Sep 20, 20268.13%▲ from 7.75% Sep 16, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Lines of Credit	8.125%	-	8.125%	10 year
Details Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	8.25%	-	8.25%	15 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Sep 20, 20268.25%▲ from 8.00% Sep 16, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Lines of Credit	8.25%	-	8.25%	15 year
Details Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible Home Equity Line of Credit	7.00%	-	8.50%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Loan-to-Value of 80.01% - 95%; Margin: 1.500% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loans via Country Convertible HELOC	8.50%	-	8.50%	20 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Sep 20, 20268.50%▲ from 8.25% Sep 16, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
HELOC	-	-	8.50%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Home Equity Line of Credit with a Loan-to-Value of 80.01% - 95%; Margin: 1.500% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Lines of Credit	8.50%	-	8.50%	20 year
Details Loan-to-Value of 80.01-95% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	6.25%	-	6.25%	60 Months
Details Year of Vehicle: 2025-2027 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loan	6.25%	-	6.25%	36 Months
Details Year of Vehicle: 2021 & older Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loan	6.50%	-	6.50%	72 Months
Details Year of Vehicle: 2025-2027 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Auto Loan	6.50%	-	6.50%	60 Months
Details Year of Vehicle: 2022-2024 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	14.00%	36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Other Rates

Product	Rate	Points	APY/APR	Term
Credit Booster Loan	7.00%	-	7.00%	12-36 Months
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
HOME ONE - 30 year Loan	7.50%	0	8.111%	30 years
Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.85% → 8.11% ▲ 0.26 pts · high 8.24% / low 7.72% Oct 12, 20268.11%▼ from 8.24% Oct 8, 20268.24%▲ from 8.11% Sep 28, 20268.11%▲ from 7.85% Sep 24, 20267.85%▲ from 7.72% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Possible 30 year Loan	7.50%	0	8.256%	30 years
Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 7.99% → 8.26% ▲ 0.27 pts · high 8.39% / low 7.86% Oct 12, 20268.26%▼ from 8.39% Oct 8, 20268.39%▲ from 8.26% Sep 28, 20268.26%▲ from 7.86% Sep 20, 20267.86%▼ from 7.99% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
HOME POSSIBLE ADVANTAGE - 30 year Loan	7.50%	0	8.256%	30 year
Last Updated 10/12/2026 Rate History 4 changes since Sep 20, 2026 · 7.86% → 8.26% ▲ 0.40 pts · high 8.39% / low 7.86% Oct 12, 20268.26%▼ from 8.39% Oct 8, 20268.39%▲ from 8.26% Sep 28, 20268.26%▲ from 7.99% Sep 24, 20267.99%▲ from 7.86% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Country Bank for Savings’s Texas Ratio fell from 7.57% in Q3 2023 to 6.28% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.2B	6.28%	5.0	A
March 31, 2026	$2.2B	6.51%	5.0	A
December 31, 2025	$2.2B	6.56%	5.0	A
September 30, 2025	$2.2B	6.53%	5.0	A
June 30, 2025	$2.1B	6.85%	5.0	A
March 31, 2025	$2.1B	6.95%	5.0	A
December 31, 2024	$2.0B	6.97%	5.0	A
September 30, 2024	$2.0B	7.14%	5.0	A
June 30, 2024	$1.9B	7.02%	5.0	A
March 31, 2024	$1.9B	7.18%	5.0	A
December 31, 2023	$1.9B	7.21%	5.0	A
September 30, 2023	$1.8B	7.57%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Country Bank for Savings is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Country Bank for Savings rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Country Bank for Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Country Bank for Savings

Bank Holding Company 1850 FINANCIAL MHC

Address 155 West St, Ware, MA 01082 · Hampshire

Website https://www.countrybank.com

FDIC Certificate # 23992

Established 18500701

FDIC Insurance Date 19820816

Domestic Offices 15

Total Branches 16

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.28%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8106%

Return on Equity (ROE) 5.7300%

Non-Performing Loans (NPL) 0.90%

Total Assets $2,236,949,000

Total Deposits $1,728,837,000

Equity Capital $318,198,000

Net Income $8,998,000

Headquarters Ware

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Country Bank for Savings earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Country Bank for Savings

How many branches does Country Bank for Savings operate?

Country Bank for Savings currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Country Bank for Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Country Bank for Savings provides members with tools to manage their accounts and build a solid financial history.

Does Country Bank for Savings offer online and mobile banking?

Most modern institutions like Country Bank for Savings provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.countrybank.com.