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Country Bank for Savings

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Country Bank for Savings Rates & Review November 2026

Q: 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: 0.10%, MMA: 0.35%

Q: What CD terms does Country Bank for Savings offer?

Country Bank for Savings CD rates are 3.56% APY for a 6 month CD, 3.82% APY for a 10 month CD, 0.50% APY for a 12 month CD, 4.07% APY for a 14 month CD, 4.23% APY for an 18 month CD, 0.50% APY for a 2 year CD, 0.75% APY for a 3 year CD, 1.00% APY for a 4 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Country Bank for Savings for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

Country Bank for Savings's Relationship 18-Month CD rates are at 4.23%, Relationship 14-Month CD rates are at 4.07%, Relationship 10-Month CD rates are at 3.82%, 14-Month CD rates are at 3.81%, Relationship 6-Month CD rates are at 3.56%. Country Bank for Savings's savings rates are at 0.10%. Country Bank for Savings's money market rates are at 0.35%. Country Bank for Savings's Low Down Payment First Time Homebuyer 10/1 ARM (30 Year) rates are at 6.00%, 10/1 ARM First Time Home Buyer (30 Year) rates are at 6.125%, Fixed Rate Conventional Residential Owner-Occupied - 15 Year rates are at 6.00%, Fixed Rate Conventional Residential Owner-Occupied - 10 Year rates are at 5.875%, 7/3 ARM (30 year) rates are at 5.75%. Country Bank for Savings's Personal Loan Rates are as low as 14.00%. Country Bank for Savings's top CD rate of 4.23% APY on an 18 month CD is 44% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. 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 11/07/2026.

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

6.28%

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	Min. Deposit
Relationship 18-Month CD	4.15%	4.23%	18 months	$500
Min Deposit $500 Details Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online Last Updated 11/07/2026 Rate History No change since Oct 3, 2026 · 4.23% APY · checked 8 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 11/07/2026 Rate History No change since Oct 3, 2026 · 4.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 14-Month CD	4.00%	4.07%	14 months	$500
Min Deposit $500 Details Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online Last Updated 11/07/2026 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 months	$500
Min Deposit $500 Details Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.82% APY · checked 11 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 11/07/2026 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; Add On CD Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.56% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 6-Month CD	3.50%	3.56%	6 months	$500
Min Deposit $500 Details Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online Last Updated 11/07/2026 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 11/07/2026 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 months	$500
Min Deposit $500 Details Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Relationship 42-Month CD	3.25%	3.30%	42 months	$500
Min Deposit $500 Details Eligibility: Primary or Joint Owner on Relationship Rewards Checking; Open Online Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.30% APY · checked 11 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 11/07/2026 Rate History No change since Sep 20, 2026 · 3.04% APY · checked 10 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 11/07/2026 Rate History No change since Sep 20, 2026 · 3.04% APY · checked 10 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 11/07/2026 Rate History No change since Sep 20, 2026 · 3.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4-Year CD	1.00%	1.00%	4-Year	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5-Year CD	1.00%	1.00%	5-Year	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3-Year CD	0.75%	0.75%	3-Year	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
1-Year CD	0.50%	0.50%	1-Year	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
2-Year CD	0.50%	0.50%	2-Year	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
9-Month CD	0.25%	0.25%	9-Month (273 Days)	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3-Month CD	0.10%	0.10%	3-Month (91 Days)	-
Min Balance $500 Details Balance: $500.00-25,000.00 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3-Month CD	0.10%	0.10%	3-Month (91 Days)	-
Min Balance $25,000 Details Balance: $25,000.01-49,999.99 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3-Month CD	0.10%	0.10%	3-Month (91 Days)	-
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
6-Month CD	0.10%	0.10%	6-Month (182 Days)	-
No additional details. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Country Bank for Savings Savings Rates

Product	Rate	APY	View More
Advantage Savings	0.10%	0.10%
Min Balance $10 Details Base rate; minimum to earn APY $10.00 Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 7 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 Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and above; Daily balance; Fees may reduce earnings; Rates may change after account is opened Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Daily balance; Fees may reduce earnings; Rates may change after account is opened Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.15%	0.15%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Daily balance; Fees may reduce earnings; Rates may change after account is opened Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Daily balance; Fees may reduce earnings; Rates may change after account is opened Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Money Market Accounts	0.05%	0.05%
Min Deposit $1,000 Min Balance $10 Details Balance: $10.00 - $999.99; Daily balance; Fees may reduce earnings; Rates may change after account is opened Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.05% 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
Low Down Payment First Time Homebuyer 10/1 ARM (30 Year)	6.00%	0	6.276%
Details CAPS: 1% / 4%; *Lender-paid Private Mortgage Insurance (PMI); Income and Property Location Restrictions Apply Last Updated 11/07/2026 Rate History 2 changes since Oct 1, 2026 · 6.24% → 6.28% ▲ 0.04 pts · high 6.32% / low 6.24% Nov 7, 20266.28%▼ from 6.32%* Oct 14, 20266.32%▲ from 6.24% Oct 1, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10/1 ARM First Time Home Buyer (30 Year)	6.125%	0	6.358%
Details CAPS: 1% / 4% Last Updated 11/07/2026 Rate History 2 changes since Oct 1, 2026 · 6.32% → 6.36% ▲ 0.04 pts · high 6.40% / low 6.32% Nov 7, 20266.36%▼ from 6.40% Oct 14, 20266.40%▲ from 6.32% Oct 1, 20266.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 15 Year	6.00%	2	6.424%	15 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $8.44 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.17% → 6.42% ▲ 0.25 pts · high 6.42% / low 6.17% Oct 27, 20266.42%▲ from 6.17% Oct 14, 20266.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 10 Year	5.875%	2	6.474%	10 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $11.04 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.22% → 6.47% ▲ 0.25 pts · high 6.47% / low 6.22% Oct 27, 20266.47%▲ from 6.22% Oct 14, 20266.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
7/3 ARM (30 year)	5.75%	0	6.48%	30 years
Details Caps: 2% / 4%; Adjustable Rate Mortgage; Initial fixed period 7 years Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 6.54% → 6.48% ▼ 0.06 pts · high 6.54% / low 6.48% Nov 7, 20266.48%▼ from 6.54% Oct 22, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Adjustable Rate Mortgage - 7/3 ARM (30 year)	5.75%	0	6.48%	30 year
Details CAPS: 2% / 4% Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 6.54% → 6.48% ▼ 0.06 pts · high 6.54% / low 6.48% Nov 7, 20266.48%▼ from 6.54% Oct 22, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 10 Year	6.125%	1	6.498%	10 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $11.16 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 27, 20266.50%▲ from 6.25% Oct 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 15 Year	6.25%	1	6.515%	15 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $8.57 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.26% → 6.52% ▲ 0.25 pts · high 6.52% / low 6.26% Oct 27, 20266.52%▲ from 6.26% Oct 14, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 10 Year	6.375%	0	6.523%	10 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $11.29 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.27% → 6.52% ▲ 0.25 pts · high 6.52% / low 6.27% Oct 27, 20266.52%▲ from 6.27% Oct 14, 20266.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
10/1 ARM (30 year)	6.125%	0	6.526%	30 years
Details Caps: 2% / 4%; Adjustable Rate Mortgage; Initial fixed period 10 years Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 6.57% → 6.53% ▼ 0.04 pts · high 6.57% / low 6.53% Nov 7, 20266.53%▼ from 6.57% Oct 22, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Adjustable Rate Mortgage - 10/1 ARM (30 year)	6.125%	0	6.526%	30 year
Details CAPS: 2% / 4% Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 6.57% → 6.53% ▼ 0.04 pts · high 6.57% / low 6.53% Nov 7, 20266.53%▼ from 6.57% Oct 22, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 20 Year	6.25%	2	6.591%	20 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $7.31 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.34% → 6.59% ▲ 0.25 pts · high 6.59% / low 6.34% Oct 27, 20266.59%▲ from 6.34% Oct 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5/3 ARM (30 year)	5.625%	0	6.592%	30 years
Details Caps: 2% / 4%; Adjustable Rate Mortgage; Initial fixed period 5 years Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 6.67% → 6.59% ▼ 0.07 pts · high 6.67% / low 6.59% Nov 7, 20266.59%▼ from 6.67% Oct 22, 20266.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Adjustable Rate Mortgage - 5/3 ARM (30 year)	5.625%	0	6.592%	30 year
Details CAPS: 2% / 4% Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 6.67% → 6.59% ▼ 0.07 pts · high 6.67% / low 6.59% Nov 7, 20266.59%▼ from 6.67% Oct 22, 20266.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 15 Year	6.50%	0	6.606%	15 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $8.71 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.36% → 6.61% ▲ 0.25 pts · high 6.61% / low 6.36% Oct 27, 20266.61%▲ from 6.36% Oct 14, 20266.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 30 Year	6.375%	2	6.634%	30 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $6.24 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 27, 20266.63%▲ from 6.38% Oct 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 20 Year	6.50%	1	6.713%	20 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $7.46 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.46% → 6.71% ▲ 0.25 pts · high 6.71% / low 6.46% Oct 27, 20266.71%▲ from 6.46% Oct 14, 20266.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 30 Year	6.625%	1	6.788%	30 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $6.40 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54% Oct 27, 20266.79%▲ from 6.54% Oct 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed Low Down Payment First Time Homebuyer	6.75%	0	6.815%
Details *Lender-paid Private Mortgage Insurance (PMI); Income and Property Location Restrictions Apply Last Updated 11/07/2026 Rate History 1 change since Oct 1, 2026 · 6.56% → 6.82% ▲ 0.25 pts · high 6.82% / low 6.56% Oct 27, 20266.82%▲ from 6.56%* Oct 1, 20266.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 20 Year	6.75%	0	6.835%	20 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $7.60 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.58% → 6.84% ▲ 0.25 pts · high 6.84% / low 6.58% Oct 27, 20266.84%▲ from 6.58% Oct 14, 20266.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
30 Year Fixed First Time Home Buyer	6.875%	0	6.941%
No additional details. Last Updated 11/07/2026 Rate History 1 change since Oct 1, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69% Oct 27, 20266.94%▲ from 6.69% Oct 1, 20266.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Conventional Residential Owner-Occupied - 30 Year	6.875%	0	6.941%	30 Year
Details Owner-occupied; APR assumes $320,000 mortgage and 20% down; Monthly payment per $1,000: $6.57 Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69% Oct 27, 20266.94%▲ from 6.69% Oct 14, 20266.69%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
Country Convertible HELOC Fixed Rate Term Out Loan	6.25%	-	6.25%	5 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80% or less; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 5 Year	6.25%	-	6.25%	5 year
Details Loan-to-Value 80% or less; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	6.625%	-	6.625%	10 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80% or less; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 6.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 10 Year	6.625%	-	6.625%	10 year
Details Loan-to-Value 80% or less; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 6.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	6.75%	-	6.75%	15 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80% or less; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 15 Year	6.75%	-	6.75%	15 year
Details Loan-to-Value 80% or less; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	7.00%	-	7.00%	20 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80% or less; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 4 times 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; Rate: Prime Rate currently 7.000% + Margin 0.000%; variable rate, APR subject to increase to a maximum of 18% Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 20 Year	7.00%	-	7.00%	20 year
Details Loan-to-Value 80% or less; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Line of Credit (LTV 80% or less)	7.00%	-	7.00%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Prime Rate currently 7.000%; Margin 0.000%; Loan-to-Value 80% or less; Maximum APR 18% Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	7.75%	-	7.75%	5 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01% - 95%; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 5 Year (LTV 80.01-95%)	7.75%	-	7.75%	5 year
Details Loan-to-Value 80.01-95%; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	8.125%	-	8.125%	10 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01% - 95%; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 10 Year (LTV 80.01-95%)	8.125%	-	8.125%	10 year
Details Loan-to-Value 80.01-95%; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	8.25%	-	8.25%	15 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01% - 95%; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 15 Year (LTV 80.01-95%)	8.25%	-	8.25%	15 year
Details Loan-to-Value 80.01-95%; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible HELOC Fixed Rate Term Out Loan	8.50%	-	8.50%	20 year
Details For Home Equity Lines of Credit with a Loan-to-Value of 80.01% - 95%; Owner-Occupied 1-4 Family Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Country Convertible Home Equity Line of Credit	-	-	8.50%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Loan-to-Value of 80.01% - 95%; Rate: Prime Rate currently 7.000% + Margin 1.500%; maximum loan amount $250,000.00; APR subject to increase to a maximum of 18% Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Fixed Rate Term Out Loan via Country Convertible HELOC - 20 Year (LTV 80.01-95%)	8.50%	-	8.50%	20 year
Details Loan-to-Value 80.01-95%; 1-4 Family Owner-Occupied Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Equity Line of Credit (LTV 80.01% - 95%)	7.00%	-	8.50%	10 Year
Details Term: 10 Year Draw. 15 Year Repayment; Prime Rate currently 7.000%; Margin 1.500%; Loan-to-Value 80.01% - 95%; Maximum loan amount $250,000.00; Maximum APR 18% Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 4 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 11/07/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 8 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 11/07/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 8 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 11/07/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 8 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 11/07/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 8 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
Details Minimum loan: $800; Maximum loan: $5,000; Rate reduced by 0.250 percentage points if payment is automatically deducted from a new or existing Country Bank checking or savings account Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 14.00% APR · checked 7 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
Building Lot (15 Year) Loan	7.25%	-	8.016%	15 Year
Details Product: 3/1 ARM; 20% down is required; Margin 4.000%; Caps 2% / 6% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 8.09% → 8.02% ▼ 0.07 pts · high 8.09% / low 8.02% Nov 7, 20268.02%▼ from 8.09% Oct 14, 20268.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Credit Booster Loan	7.00%	-	7.00%	12-36 Months
Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
HOME ONE - 30 Year Loan	7.125%	0	7.717%	30 year
Details APR based on $320,000.00 loan with Private Mortgage Insurance (PMI) Last Updated 11/07/2026 Rate History 8 changes since Sep 16, 2026 · 7.85% → 7.72% ▼ 0.13 pts · high 8.24% / low 7.72% Nov 2, 20267.72%▼ from 7.85% Oct 22, 20267.85%▼ from 7.98% Oct 14, 20267.98%▼ from 8.11% Oct 12, 20268.11%▼ from 8.24% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Possible - 30 Year Loan	7.125%	0	7.859%	30 year
Details APR based on $320,000.00 loan with Private Mortgage Insurance (PMI) Last Updated 11/07/2026 Rate History 7 changes since Sep 16, 2026 · 7.99% → 7.86% ▼ 0.13 pts · high 8.39% / low 7.86% Nov 2, 20267.86%▼ from 7.99% Oct 22, 20267.99%▼ from 8.13% Oct 14, 20268.13%▼ from 8.26% Oct 12, 20268.26%▼ from 8.39% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Home Possible Advantage - 30 Year Loan	7.125%	0	7.859%	30 year
Details APR based on $320,000.00 loan with Private Mortgage Insurance (PMI); rates shown for owner-occupied properties Last Updated 11/07/2026 Rate History 6 changes since Sep 20, 2026 · 7.86% → 7.86% ▼ 0.00 pts · high 8.39% / low 7.86% Nov 2, 20267.86%▼ from 7.99% Oct 22, 20267.99%▼ from 8.26% Oct 12, 20268.26%▼ from 8.39% Oct 8, 20268.39%▲ from 8.26% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Raw Land (10 Year) Loan	8.25%	-	8.906%	10 Year
Details Product: 3/1 ARM; 40% down is required; Margin 5.000%; Caps 2% / 6% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 8.96% → 8.91% ▼ 0.05 pts · high 8.96% / low 8.91% Nov 7, 20268.91%▼ from 8.96% Oct 14, 20268.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Advantage Savings - Paired With Perks Checking	0.75%	-	0.80%
Min Balance $10 Details Requires active Perks Checking account; 0.65% preferred rate added to 0.10% base; reverts to 0.10% base if Perks Checking is closed; minimum to earn APY $10.00 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.80% APY · checked 5 times 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.
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 7.57% 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

Bank Name Country Bank for Savings

Website https://www.countrybank.com

Address 155 West St, Ware, MA 01082 · Hampshire

Bank Holding Company 1850 FINANCIAL MHC

FDIC Certificate # 23992

Regulator FDIC

Established July 1, 1850

FDIC Insurance Date August 16, 1982

Domestic Offices 15

Total Branches 16

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.28%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8106%

Return on Equity (ROE)

5.7300%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Country Bank for Savings earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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

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

Customer Reviews

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Frequently Asked Questions About Country Bank for Savings

Does Country Bank for Savings offer CDs?

Yes. Country Bank for Savings current CD rates include its Relationship 18-Month CD at 4.23% APY, its Relationship 14-Month CD at 4.07% APY and its Relationship 10-Month CD at 3.82% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Country Bank for Savings FDIC insured?

Yes. Country Bank for Savings is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Country Bank for Savings?

The highest Country Bank for Savings CD rate is its Relationship 18-Month CD at 4.23% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Country Bank for Savings offer?

Country Bank for Savings CD rates are 3.56% APY for a 6 month CD, 3.82% APY for a 10 month CD, 0.50% APY for a 12 month CD, 4.07% APY for a 14 month CD, 4.23% APY for an 18 month CD, 0.50% APY for a 2 year CD, 0.75% APY for a 3 year CD, 1.00% APY for a 4 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Country Bank for Savings for its full lineup.

What is the highest savings rate at Country Bank for Savings?

The highest Country Bank for Savings savings rate is its Advantage Savings at 0.10% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at Country Bank for Savings?

The highest Country Bank for Savings money market rate is its Money Market Accounts at 0.35% APY, verified by MonitorBankRates as of November 7, 2026.

What is the lowest 30 year fixed mortgage rate at Country Bank for Savings?

The lowest Country Bank for Savings 30 year fixed mortgage rate is its Fixed Rate Conventional Residential Owner-Occupied - 30 Year at 6.375%, verified by MonitorBankRates as of November 7, 2026. Country Bank for Savings mortgage rates are 6.375% for a 30 year mortgage, 6.25% for a 20 year mortgage, 6.00% for a 15 year mortgage, 5.875% for a 10 year mortgage, 5.625% for a 5/3 ARM, 5.75% for a 7/3 ARM and 6.00% for a 10/1 ARM.

What is the lowest auto loan rate at Country Bank for Savings?

The lowest Country Bank for Savings auto loan rate is its Auto Loan at 6.25%, verified by MonitorBankRates as of November 7, 2026.

What is the lowest personal loan rate at Country Bank for Savings?

The lowest Country Bank for Savings personal loan rate is its Personal Unsecured Loan at 14.00%, verified by MonitorBankRates as of November 7, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Country Bank for Savings rates compare?

Country Bank for Savings's top CD rate of 4.23% APY on an 18 month CD is 44% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. Country Bank for Savings's top rates are its 18-Months Relationship 18-Month CD at 4.23% APY, its Advantage Savings at 0.10% APY, its Money Market Accounts at 0.35% APY, its 5/3 ARM (30 year) at 5.625% and its Personal Unsecured Loan at 14.00% APR, verified by MonitorBankRates on November 7, 2026.

Current Country Bank for Savings Rates

12-Month CD0.50%
18-Month CD4.07%
24-Month CD0.50%
36-Month CD0.75%
48-Month CD1.00%
60-Month CD1.00%
Savings0.10%
MMA0.35%

Retrieved from our database of financial products. Rates subject to change.

Country Bank for Savings Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Country Bank for Savings Texas Ratio

Country Bank for Savings Health Trend

Country Bank for Savings CD Rates

Country Bank for Savings Savings Rates

Country Bank for Savings Money Market 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

Country Bank for Savings Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Country Bank for Savings earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Country Bank for Savings

Does Country Bank for Savings offer CDs?

Are CDs from Country Bank for Savings FDIC insured?

What is the highest CD rate at Country Bank for Savings?

What CD terms does Country Bank for Savings offer?

What is the highest savings rate at Country Bank for Savings?

What is the highest money market rate at Country Bank for Savings?

What is the lowest 30 year fixed mortgage rate at Country Bank for Savings?

What is the lowest auto loan rate at Country Bank for Savings?

What is the lowest personal loan rate at Country Bank for Savings?

How many branches does Country Bank for Savings operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Country Bank for Savings offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Country Bank for Savings rates compare?

Current Country Bank for Savings Rates

Compare to Other Banks