Country Bank for Savings Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Country Bank for Savings's 28-Month CD Special rates are at 3.04%, 42-Month CD Special rates are at 3.04%, 56-Month CD Special rates are at 3.04%, 4-Year CD rates are at 1.00%, 5-Year CD rates are at 1.00%. Country Bank for Savings's savings rates are at 0.10%. Country Bank for Savings's 10/1 ARM First Time Home Buyer (30 Year) rates are at 5.75%, Low Down Payment First Time Homebuyer 10/1 ARM (30 Year)** rates are at 5.75%, 7/3 ARM (30 year) rates are at 5.50%, 30 Year Fixed Low Down Payment First Time Homebuyer** rates are at 5.88%, 5/3 ARM (30 year) rates are at 5.38%. 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 7.70%. Rates were last updated on 02/27/2026.
Rate Updates and AvailabilityCountry 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. Country Bank for Savings Texas RatioCountry Bank for Savings's Texas Ratio is at 7.70%, which is considered excellent. The Texas Ratio for Country Bank for Savings is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Country Bank for Savings has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Country Bank for Savings is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 96/100
Country Bank for Savings has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 02/27/2026 
Country Bank for Savings CD Rates
Country Bank for Savings Savings Rates
Country Bank for Savings Checking Rates
Country Bank for Savings Mortgage Rates
Country Bank for Savings Home Equity & HELOC
Country Bank for Savings Auto Loan Rates
Country Bank for Savings Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCountry Bank for Savings
155 West StWare, MA 01082 Hampshire Established Date: 07/01/1850 FDIC Certificate #: 23992 Date of FDIC Deposit Insurance: 08/16/1982 How Many Domestic U.S. Offices? 15 How Many Branches are There? 15 Website: https://www.countrybank.com
Is Country Bank for Savings FDIC Insured? Yes
What is Country Bank for Savings's Cert number? 23992
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (96/100)
Texas Ratio:
7.70%
Return on Assets (ROA):
0.6963%
Return on Equity (ROE):
4.6900%
Non-Performing Loans (NPL):
0.92%
Total Assets:
$2,202,448,000
Total Deposits:
$1,667,921,000
Equity Capital:
$310,889,000
Net Income:
$12,752,000
Headquarters:
Ware
Regulator:
FDIC
# of Offices:
15
Source: FDIC | Last Updated 12/31/2025
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Frequently Asked Questions About Country Bank for SavingsHow do I open an account at Country Bank for Savings?You can typically open an account at Country Bank for Savings by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Country Bank for Savings provides a range of mortgage and home equity products. Is Country Bank for Savings a safe place to deposit money?Yes, Country Bank for Savings is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Country Bank for Savings offer online and mobile banking?Most modern institutions like Country Bank for Savings provide digital access including online balance checks and transfers. Compare to other Banks |
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