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

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

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Country Bank for Savings

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Country Bank for Savings Rates & Review September 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: September 20, 2026

Country Bank for Savings's Relationship 10-Month CD rates are at 3.82%, Relationship 6-Month CD rates are at 3.82%, 10-Month Add On CD Special rates are at 3.56%, Relationship 14-Month CD rates are at 3.56%, Relationship 28-Month CD rates are at 3.30%. Country Bank for Savings's 15 Year Mortgage rates are at 5.75%, Low Down Payment First Time Homebuyer 10/1 ARM (30 Year) rates are at 5.88%, 10 Year Mortgage rates are at 5.62%, 10 Year Mortgage rates are at 5.88%, 15 Year Mortgage rates are at 6.00%. 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 6.31%. Rates last updated and verified on 09/20/2026.

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 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

6.31%

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

Country Bank for Savings CD Rates

Product	Rate	APY	Term
Relationship 10 Month CD	3.75%	3.82%	10 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Relationship 6 Month CD	3.75%	3.82%	6 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	3.50%	3.56%	10 Month
Details Term: 10 Month Add On CD Special Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Relationship 14 Month CD	3.50%	3.56%	14 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Relationship 28 Month CD	3.25%	3.30%	28 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Relationship 42 Month CD	3.25%	3.30%	42 Month
Min Deposit $500 Details Primary or Joint Owner on Relationship Rewards Checking Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
14 Month CD	3.15%	3.20%	14 Month CD*
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
28 Month CD Special	3.00%	3.04%	28 Month CD Special*
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
42 Month CD Special	3.00%	3.04%	42 Month CD Special*
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
56 Month CD Special	3.00%	3.04%	56 Month CD Special*
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
6 Month CD Special	3.00%	3.04%	6 Month CD Special*
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
4 Year Relationship Certificate of Deposit	1.00%	1.00%	4-Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
5 Year Relationship Certificate of Deposit	1.00%	1.00%	5-Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
3 Year Relationship Certificate of Deposit	0.75%	0.75%	3-Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
1 Year Relationship Certificate of Deposit	0.50%	0.50%	1-Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
2 Year Relationship Certificate of Deposit	0.50%	0.50%	2-Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	0.35%	0.35%	10 months
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	0.25%	0.25%	10 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
9 Month Relationship Certificate of Deposit	0.25%	0.25%	9-Month (273 Days)
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	0.15%	0.15%	10 months
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	0.10%	0.10%	10 Month
Min Deposit $10 Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	0.10%	0.10%	10 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
3 Month Relationship Certificate of Deposit	0.10%	0.10%	3-Month (91 Days)
Min Balance $500 Details Balance: $500.00-25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
3 Month Relationship Certificate of Deposit	0.10%	0.10%	3-Month (91 Days)
Min Balance $25,000 Details Balance: $25,000.01-49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
3 Month Relationship Certificate of Deposit	0.10%	0.10%	3-Month (91 Days)
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
6 Month Relationship Certificate of Deposit	0.10%	0.10%	6-Month (182 Days)
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Month Add On CD Special	0.05%	0.05%	10 months
Min Balance $10 Details Balance: $10.00 - $999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Country Bank for Savings Checking Rates

Product	Rate	APY
Paired With Relationship Rewards Checking	3.50%	3.60%
Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Paired With Perks Checking	0.75%	0.80%
Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Relationship Rewards Checking	0.25%	0.25%
Min Deposit $100 Min Balance $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Country Bank for Savings Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Mortgage	5.75%	2	6.17%	15 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Low Down Payment First Time Homebuyer 10/1 ARM (30 Year)	5.88%	0	6.20%	30 Year
Details CAPS: 1% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Year Mortgage	5.63%	2	6.22%	10 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Year Mortgage	5.88%	1	6.25%	10 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
15 Year Mortgage	6.00%	1	6.26%	15 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10 Year Mortgage	6.13%	0	6.27%	10 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
10/1 ARM First Time Home Buyer (30 Year)	6.00%	0	6.28%	30 Year
Details CAPS: 1% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGES - 10/1 ARM First Time Home Buyer (30 Year)	6.00%	0	6.28%
Details CAPS: 1% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
20 Year Mortgage	6.00%	2	6.34%	20 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGE RATES - 7/3 ARM (30 year)	5.50%	0	6.35%	30 year
Details CAPS*: 2% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGES - 7/3 ARM (30 year)	5.50%	0	6.35%	30 year
Details CAPS*: 2% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
15 Year Mortgage	6.25%	0	6.36%	15 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
30 Year Mortgage	6.13%	2	6.38%	30 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGE RATES - 10/1 ARM (30 year)	6.00%	0	6.45%	30 year
Details CAPS*: 2% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGES - 10/1 ARM (30 year)	6.00%	0	6.45%	30 year
Details CAPS*: 2% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
20 Year Mortgage	6.25%	1	6.46%	20 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGE RATES - 5/3 ARM (30 year)	5.38%	0	6.50%	30 year
Details CAPS*: 2% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
MORTGAGES - 5/3 ARM (30 year)	5.38%	0	6.50%	30 year
Details CAPS*: 2% / 4% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
30 Year Mortgage	6.38%	1	6.54%	30 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
30 Year Fixed Low Down Payment First Time Homebuyer	6.50%	0	6.56%	30 Year
Details CAPS: N/A Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
20 Year Mortgage	6.50%	0	6.58%	20 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
30 Year Fixed First Time Home Buyer	6.63%	0	6.69%	30 Year
Details CAPS: N/A Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
30 Year Mortgage	6.63%	0	6.69%	30 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Building Lot (15 Year) - 3/1 ARM	7.25%	-	8.02%	15 Year
Details 20% down is required; Margin 4.000%; CAPS: 2% / 6% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Raw Land (10 Year) - 3/1 ARM	8.25%	-	8.91%	10 Year
Details 40% down is required; Margin 5.000%; CAPS: 2% / 6% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

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 1-4 Family Owner-Occupied; For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Fixed Rate Term Out Loans via Country Convertible HELOC	6.25%	-	6.25%	5 year
Details For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Fixed Rate Term Out Loans via Country Convertible HELOC	6.63%	-	6.63%	10 year
Details 1-4 Family Owner-Occupied; For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Fixed Rate Term Out Loans via Country Convertible HELOC	6.63%	-	6.63%	10 year
Details For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Fixed Rate Term Out Loans via Country Convertible HELOC	6.75%	-	6.75%	15 year
Details 1-4 Family Owner-Occupied; For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Fixed Rate Term Out Loans via Country Convertible HELOC	6.75%	-	6.75%	15 year
Details For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Fixed Rate Term Out Loans via Country Convertible HELOC	7.00%	-	7.00%	20 year
Details 1-4 Family Owner-Occupied; For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Credit Booster	7.00%	-	7.00%	12-36 Months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Fixed Rate Term Out Loans via Country Convertible HELOC	7.00%	-	7.00%	20 year
Details For Home Equity Lines of Credit With a Loan-to-Value of 80% or Less Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity 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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Fixed Rate Term Out Loans via Country Convertible HELOC	8.13%	-	8.13%	10 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Fixed Rate Term Out Loans via Country Convertible HELOC	8.13%	-	8.13%	10 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01-95% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity 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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity 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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Equity Line of Credit	-	-	8.50%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Loan-to-Value of 80.01% - 95%; Margin: 1.500% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

Country Bank for Savings Other Rates

Product	Rate	Points	APY/APR	Term
Consumer - 2021 & older Loan	6.25%	-	6.25%	36 Months
Details Year of Vehicle: 2021 & older Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Consumer - 2022-2024 Loan	6.50%	-	6.50%	60 Months
Details Year of Vehicle: 2022-2024 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Consumer - 2025-2027 Loan	6.25%	-	6.25%	60 Months
Details Year of Vehicle: 2025-2027 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Consumer - 2025-2027 Loan	6.50%	-	6.50%	72 Months
Details Year of Vehicle: 2025-2027 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
HOME ONE - 30 year Loan	7.13%	0	7.72%	30 year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Home Possible - 30 year Loan	7.13%	0	7.86%	30 year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
HOME POSSIBLE ADVANTAGE - 30 year Loan	7.13%	0	7.86%	30 years
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Standard - 30 year Loan	7.13%	0	7.72%	30 year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Base Interest Rate	0.10%	-	0.10%
Min Deposit $10 Min Balance $10 Details Base Annual Percentage Yield (APY): 0.10% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%
Bump Interest Rate	2.00%	-	2.02%
Min Deposit $10 Min Balance $10 Details Bump Annual Percentage Yield (APY): 2.02% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.31%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Country Bank for Savings’s Texas Ratio fell from 7.70% in Q3 2023 to 6.31% 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	6.31%	5.0	A
March 31, 2026	$2.2B	6.54%	5.0	A
December 31, 2025	$2.2B	6.59%	5.0	A
September 30, 2025	$2.2B	6.57%	5.0	A
June 30, 2025	$2.1B	6.91%	5.0	A
March 31, 2025	$2.1B	7.04%	5.0	A
December 31, 2024	$2.0B	7.07%	5.0	A
September 30, 2024	$2.0B	7.17%	5.0	A
June 30, 2024	$1.9B	7.05%	5.0	A
March 31, 2024	$1.9B	7.30%	5.0	A
December 31, 2023	$1.9B	7.33%	5.0	A
September 30, 2023	$1.8B	7.70%	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

6.31%

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

2026 MBR Health & Safety Badge

Country Bank for Savings earned the Verified Healthy badge

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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.