Overview / Commentary
75 Main Street
Ware, MA 01082

Country Bank for Savings is headquartered in Ware and is the 27th largest bank in the state of Massachusetts. It is also the 519th largest bank in the nation. It was established in 1850 and as of September of 2018, it had grown to 225 employees at 15 locations. Country Bank for Savings' money market rates are 5X the national average, and it has an A health rating.

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Reviews (1)

Country Bank Cares

Posted by: korihodge | Aug 23, 2017

My husband and I both do the majority of our banking with Country Bank, and we intend to do our mortgage with them when we buy a home. My husband has been with them for a long time, but I am a more recent customer. I used to be with a national bank chain that started charging fees left and right, and this bank already would not allow me to bank inside with the tellers without paying a fee. Country Bank still has free checking and savings accounts that do not require a minimum daily balance. They also have pretty good customer service. The tellers are friendly, and the customer service over the phone has been good. Although the bank is local and not always where I need it, they do charge no ATM fees for using SUM network ATMS. My only complaint is the layout of their website, but I would not expect such a local bank to have the same technology as the national chains.


Health Grade Components

FDIC Certificate #23992
Year Established1850
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD6.01%
Annual Interest Income$47.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.59B$1.55B
LoansQ3 2018vs Q3 2017$1.21B$1.15B
DepositsQ3 2018vs Q3 2017$1.07B$1.06B
Equity CapitalQ3 2018vs Q3 2017$223.1MM$221.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.5MM$10.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$9.2MM$11.1MM
Real Estate OwnedQ3 2018vs Q3 2017$255.00K$443.00K
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Always verify rates and promotions with the bank or credit union. We are not Country Bank for Savings; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Country Bank for Savings Savings Account Rates

2.28%$10-Christmas Club Savings Account
1.00%*-$100kKasasa Saver
OTHER TIERS: 0.30% $100k+
0.15%$10-Statement Savings Account

Country Bank for Savings Money Market Rates

2.00%*$50k*$5mEarn Up Money Market - New Money
OTHER TIERS: 0.10% Up to $10k | 1.75% $10k+
1.00%*$150k*-High Yield Money Market
OTHER TIERS: 0.10% $10k - $25k | 0.35% $25k - $50k | 0.75% $50k - $150k
0.35%*$100k*-Money Market Checking
OTHER TIERS: 0.20% $10 - $10k | 0.25% $10k - $50k | 0.30% $50k - $100k

Country Bank for Savings Checking Account Rates

2.00%*-$20kKasasa Cash Checking
OTHER TIERS: 0.25% $20k+

Country Bank for Savings CD Rates

2.75%$10k-18 Month CD Special (New Money)
1.60%$500-5 Year CD
1.50%$500-4 Year CD
1.25%$500-3 Year CD
1.14%$500-2 Year CD
0.75%$500-15 Month CD
0.60%$500-1 Year CD
0.55%$500-9 Month CD
0.45%*$25k*-3 Month CD
OTHER TIERS: 0.20% $500 - $25k
0.45%$500-6 Month CD
0.20%$500-30 Day CD

Country Bank for Savings IRA Rates

2.75%$10k-18 Month IRA Special (New Money)
1.60%$500- 5 Year IRA
1.50%$500-4 Year IRA
1.25%$500-3 Year IRA
1.14%$500-2 Year IRA
0.75%$500-15 Month IRA
0.60%$500-1 Year IRA
0.55%$500-9 Month IRA
0.45%*$25k*-3 Month IRA
OTHER TIERS: 0.20% $500 - $25k
0.45%$500-6 Month IRA
0.20%$500-30 Day IRA


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