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Country Bank Review

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Country Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Country Bank started in 1988 and has its headquarters in New York, New York. It handles $686 million in assets along with $573 million in deposits, classifying it as a medium-size bank. Country Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Coming in at an average 3.8 out of 5 stars, Country Bank proves it is an acceptable bank choice, but may leave you wanting more. Country Bank provides customers with a mixture of product offerings, which include savings accounts, checking accounts, money market accounts, CDs and IRAs. Country Bank has a fair savings rate compared to the average savings account. The bank's standard checking product features a $3.00 monthly fee, which is acceptable compared to other U.S. banks. Finding a bank with no-fee checking and a high savings APY is the best option for accruing the most income from your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.25%, Country Bank ranks poorly compared to the average U.S. bank. Its CD rates are 2.00% and 3.25% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.50%. Given Country Bank's below average savings rate, you should think about opting for higher earning savings accounts with other banks.

How Country Bank's Savings Rates Compare

Country Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Country Bank has typically high fees as compared against the national average. At $3.00/month, Country Bank is less than the best option for people who want a basic banking experience. Country Bank unfortunately doesn't refund out-of-network ATM charges, meaning you'll have to search for a Country Bank ATM or pay the withdrawal fee.

Monthly Fee $3.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Country Bank is a brick-and-mortar bank, with six total branches in New York. It also offers access to mobile and web apps for straightforward access and banking on the go. You can access Country Bank's app to manage your funds by checking current statements, transferring money and accessing customer service. Country Bank gets a superb consumer satisfaction rating based on comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Country Bank is a medium-size bank and has assets totaling $686 million and deposits totaling $573 million. Country Bank has a strong Texas Ratio of 5.40%, signifying that the bank is in good financial shape and unlikely to fail. Additionally, Country Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Country Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $2500
Checking Account 0.25% APY $2500
Certificates of Deposit
  • 12 Month: 2.00% APY
  • 24 Month: 2.50% APY
  • 36 Month: 3.00% APY
  • 48 Month: 3.15% APY
  • 60 Month: 3.25% APY
$1000 for all terms
Money Market Account 0.5% APY $2500

Country Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Country Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Country Bank's CD rates are fair as compared against the national average.

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Find a Country Bank Near Me

Country Bank has six physical branches in the U.S.

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