Helping customers in Wisconsin and beyond get the most out of their money.
Home Mortgage Rates
| Product | Rate | APR | Payment |
|---|---|---|---|
| 15 Year Fixed | 7.000% | 7.244% | $898.83 |
| 20 Year Fixed | 7.250% | 7.448% | $790.38 |
| 30 Year Fixed | 6.750% |
6.898%
|
$648.60 |
| 6/1 Year ARM (30 Year Amortization)* | 7.375% | 7.529% | $690.68 |
Conventional rates are based off of a max loan amount of $100,000, a down payment of 25% and a credit score of 780+. 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.
Savings Rates
| Product** | Annual Percentage Yield (APY) | Interest Rate | Minimum Deposit to Open | Minimum Collected Balance to Earn APY |
|---|---|---|---|---|
| Peoples Super Saver AccountϮ |
5.00%
0.10%
|
4.889%
0.10%
|
$25
|
$.01-$15,000
more than $15,000
|
| Peoples Savings Account | 0.10% | 0.10% | $25 | $200 |
| Health Savings Account | 0.10% | 0.10% | $50 | $0.01 |
ϮMust have a Peoples Edge, Edge Plus, or Balance Banking account with minimum Super Saver automatic transfer deposit of $25 monthly.
**The rate is variable and may change after the account is opened. Fees could reduce the earnings on the account.
Interest-Bearing Checking Rates
| Product** | Annual Percentage Yield (APY) | Interest Rate | Minimum Deposit to Open | Minimum Collected Balance to Earn APY |
|---|---|---|---|---|
| Peoples Interest Checking | 0.10% | 0.10% | $25 | $0.01 |
| Business Interest Checking | 0.15% | 0.15% | $1,000 | $0.01 |
**The rate is variable and may change after the account is opened. Fees could reduce the earnings on the account.
Money Market Rates
Peoples Advantage Money Market and Business Advantage Money Market**
|
Minimum Collected Balance to Earn APY
|
Annual Percentage Yield (APY) | Interest Rate |
|---|---|---|
| $250,000 and more | 1.05% | 1.045% |
| $100,000-$249,999 | 0.75% | 0.74% |
| $25,000-$99,999 | 0.65% | 0.64% |
| $0.01-$24,999 | 0.10% | 0.10% |
Rates effective as of 7/28/2023
**The rate is variable and may change after the account is opened. Fees could reduce the earnings on the account. Minimum deposit of $2,500 required to open a money market account.
**The rate is variable and may change after the account is opened. Fees could reduce the earnings on the account. Minimum deposit of $2,500 required to open a money market account.
CDs and IRA Rates
| CDs/IRAs | Annual Percentage Yield (APY) | Interest Rate | Minimum Deposit to Open |
|---|---|---|---|
| 90 to 181 Day CD | 0.25% | 0.25% | $2,500 |
| 182 Day CD | 0.75% | 0.74% | $2,500 |
| 12 Month CD | 1.00% | 0.99% | $2,500 |
| 24 Month CD | 1.50% | 1.49% | $2,500 |
| 36 Month CD | 1.75% | 1.73% | $2,500 |
| 48 Month CD | 2.00% | 1.98% | $2,500 |
| 60 Month CD | 3.75% | 3.698% | $2,500 |
| Special CDs/IRAs | Annual Percentage Yield (APY) | Interest Rate | Minimum Deposit to Open |
|---|---|---|---|
| 13 Month CD special | 4.75% | 4.668% | $10,000 |
| 18 Month CD special * | 4.10% | 4.038% | $10,000 |
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) is accurate as of 6/5/2023. A penalty will be imposed for early withdrawal. Minimum deposit to open account is $10,000.00. Not available for brokered funds. Available for businesses with a cap of $250,000.00. Available to new or existing Peoples State Bank active checking account customers only. Offer subject to change at any time. *18 month CD special requires $10,000.00 of new money not currently on deposit at Peoples State Bank.
Personal and Auto Loans
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.