Bank · FDIC insured
Peoples Bank CD Rates
Peoples Bank’s best CD rate is 4.07% APY on a 1-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Peoples Bank’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Peoples Bank has the most branches. $10,000, best rate first.
This bank’s best
Peoples Bank
4.07%APY
- Term
- 1 month
- Minimum
- $500
- Earns on $10,000
- $33
Certificates of Deposit
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Peoples Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo3.78%
- 16–30 months16–30 mo3.78%
- 31–60 months31–60 mo3.78%
- QualifiedQualified4.07%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Peoples Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.07%APY · 9 terms
Penalty for early withdrawal. Rates as of 11/3/2025. Interest rates subject to change at any time without notice. Minimum balance required to obtain stated APY. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 4.07% | — | 4.07% | $33 |
| 3 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | — | 4.07% | 4.07% | $100 |
| 6 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | — | 4.07% | 4.07% | $201 |
| 12 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | — | 3.78% | 3.78% | $378 |
| 13 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | — | 3.78% | 3.78% | $410 |
| 24 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.78% | — | 3.78% | $770 |
| 36 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.78% | — | 3.78% | $1,177 |
| 48 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.68% | — | 3.68% | $1,555 |
| 60 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.68% | — | 3.68% | $1,980 |
Special-purpose accounts
Certificates of Deposit - IRA
3.78%APY · 3 terms
Interest bearing. Minimum $500 to open. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.78% | $378 |
| 24 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.78% | $770 |
| 36 monthsPenalty for early withdrawal. Minimum balance required to obtain stated APY. Fees may reduce earnings | 3.78% | $1,177 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.