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Peoples State Bank

Rates

From mortgages to bank deposits, our rates work in your best interest
Helping customers in Wisconsin and beyond get the most out of their money
Product Rate APR Payment
15 Year Fixed 4.125% 4.190% $745
20 Year Fixed 4.625% 4.677% $639
30 Year Fixed 4.875% 4.915% $529
6/1 Year ARM (30 Year Amortization)* 5.375% 5.546% $559

Rates effective as of 12/14/18

Rates based on a loan amount of $100,000 with loan-to-value of 80% and a credit score above 740. Payment amounts do not include taxes and insurance premiums and the actual payment obligation will be greater. Annual Percentage Rates (APR) and interest rates may vary based on terms and loan type. All loans subject to approval. Rates are subject to change without notice.

*Rate is adjustable. After the initial fixed rate period of six years, rates and payments will be determined by adding an index and margin. Payment may increase over the term of the loan.

Product** Annual Percentage Yield (APY) Rate Minimum Deposit to Open Minimum Collected Balance to Earn Interest
Super SaverϮ 1.50% 1.49% $100 $.01-$15,000
0.25% 0.25% more than $15,000
Peoples Savings 0.25% 0.25% $100 $100
Health Savings Account 0.10% 0.10% $50 $0.01

Rates effective as of 12/04/18

ϮMust have an Edge or Relationship Checking account with minimum Super Saver automatic transfer deposit of $25 monthly.

Product** Annual Percentage Yield (APY) Rate Minimum Deposit to Open Minimum Collected Balance to Earn Interest
Peoples Interest Checking 0.10% 0.10% $100 $0.01
Business Interest Checking 0.10% 0.10% $1,000 $0.01

Rates effective as of 12/04/18

Peoples Advantage Money Market and Business Advantage Money Market**

Annual Percentage Yield (APY) Rate Minimum Deposit to Open Minimum Collected Balance to Earn Interest
0.60% 0.59% $2,500 $250,000 and more
0.35% 0.34% $100,000-$249,999
0.30% 0.30% $25,000-$99,999
0.25% 0.25% $0.01-$24,999

Rates effective as of 12/04/2018

Bump Up CD Annual Percentage Yield (APY) Rate Minimum Deposit to Open
24 Month CD* 2.50% 2.48% $5,000
CDs/IRAs Annual Percentage Yield (APY) Rate Minimum Deposit to Open
90 to 181 Day CD 0.30% 0.30% $2,500
182 Day CD 0.75% 0.74% $2,500
12 Month CD 1.60% 1.59% $2,500
18 Month CD 1.70% 1.68% $2,500
24 Month CD 2.10% 2.08% $2,500
36 Month CD 2.15% 2.13% $2,500
48 Month CD 2.20% 2.18% $2,500
60 Month CD 2.65% 2.62% $2,500
Special CDs/IRAs Annual Percentage Yield (APY) Rate Minimum Deposit to Open
7 Month CD special 1.25% 1.24% $5,000
13 Month CD special 2.00% 1.98% $5,000
26 Month CD special 2.40% 2.37% $5,000
40 Month CD special 2.60% 2.57% $5,000
59 Month CD special 3.00% 2.96% $5,000

Rates effective as of 12/04/18

CD Specials up to $250,000 per term available for Peoples customers with an active checking account.

Most CDs are automatically renewable. Special CD terms renew automatically into a standard term upon maturity. A penalty may be imposed for early withdrawal. The minimum opening deposit for an IRA CD is $1,000. The 90-day CD term is not eligible for IRA funds.

*Annual Percentage Yield (APY) effective as of September 4, 2018. The rate may change after the account is open. The bump rate is to the standard 12 month CD rate and may be exercised once during the 24 month period. $5,000 minimum deposit with a $250,000 maximum balance per CD. Offer available to individuals and IRAs. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal. CDs renew into standard terms at maturity. Member FDIC.

Peoples will review your individual situation to provide you with a competitive rate for personal and auto loans. Please contact us or call 888.929.9902 for more details.

Testimonial

“Working with Peoples for our mortgage loan was stress free. They provided guidance that made us feel both educated and confident in making decisions. This is the only bank we will allow to serve us in the future.”

- Dwayne & Connie K.

**The rate is variable and may change after the account is opened. Fees could reduce the earnings on the account.