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Rates

Helping customers in Wisconsin and beyond get the most out of their money. 

Home Mortgage Rates

Product Rate APR Payment^
15 Year Fixed 6.250% 6.489% $857.42
20 Year Fixed 6.625% 6.818% $752.95
30 Year Fixed 6.375%
6.520%
$623.87
6/1 Year ARM (30 Year Amortization)* 7.875% 8.034% $725.07
Rates effective as of 06/21/2024

Conventional rates are based off of a max loan amount of $200,000, a down payment of 20% and a credit score of 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.

^Monthly payment calculation based on $100,000.00 borrowed on primary residence. 

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
Rates effective as of 7/28/2023

ϮMust have a Peoples Edge 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
Rates effective as of 01/03/2024

**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-$249,999.99 0.75% 0.74%
$25,000-$99,999.99 0.65% 0.64%
$0.01-$24,999.99 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.

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 2.50% 2.47% $2,500
36 Month CD 3.00% 2.96% $2,500
48 Month CD 3.50% 3.45% $2,500
60 Month CD 3.75% 3.69% $2,500
Special CDs/IRAs Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open
13 Month CD special  4.60% 4.52% $10,000
Rates effective as of 04/26/2024

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 04/26/2024. 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. 

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.