Bank · FDIC insured
Peoples Bank CD Rates
Peoples Bank’s best CD rate is 2.30% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Peoples Bank’s CD rates compare
Compared with banks and credit unions near Bellingham, WA, where Peoples Bank has the most branches. $10,000, best rate first.
This bank’s best
Peoples Bank
3.75%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $407
CD Special
Top rate
WECU
4.65%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $269
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Peoples Bank CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.05%
- 16–30 months16–30 mo2.20%
- 31–60 months31–60 mo2.30%
- QualifiedQualified3.75%
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.
CD Special
Up to 3.75%APY · 2 terms
Available for personal and business accounts at all Peoples Bank Branches; cannot be combined with any other offer. Not available for accounts opened online. Requires an active Peoples Bank Checking Account. Penalty may be charged for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsEffective for accounts opened on or after 10/01/2026. At maturity, renews into a 6-month fixed rate term at the current rate. Requires an active Peoples Bank Checking Account | 3.60% | $208 |
| 13 monthsEffective for accounts opened on or after 10/01/2026. At maturity, renews into a 12-month fixed rate term at the current rate. Requires an active Peoples Bank Checking Account | 3.75% | $407 |
Personal CD
Up to 2.30%APY · 6 terms
Fixed interest rates tiered based on balance. Penalty may be imposed for early withdrawal.
| Term | APY · Up to $25,000 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsTier: $100,000 + | — | — | 2.00% | —2.00% from $100k | — |
| 6 monthsTier: $25,000 - $99,999 | — | 2.00% | — | —2.00% $25k–$100k | — |
| 6 monthsTier: Less than $25,000 | 2.00% | — | — | 2.00% | $100 |
| 12 monthsTier: $100,000 + | — | — | 2.05% | —2.05% from $100k | — |
| 12 monthsTier: $25,000 - $99,999 | — | 2.05% | — | —2.05% $25k–$100k | — |
| 12 monthsTier: Less than $25,000 | 2.05% | — | — | 2.05% | $205 |
| 18 monthsTier: $100,000 + | — | — | 2.15% | —2.15% from $100k | — |
| 18 monthsTier: $25,000 - $99,999 | — | 2.15% | — | —2.15% $25k–$100k | — |
| 18 monthsTier: Less than $25,000 | 2.15% | — | — | 2.15% | $324 |
| 24 monthsTier: $100,000 + | — | — | 2.20% | —2.20% from $100k | — |
| 24 monthsTier: $25,000 - $99,999 | — | 2.20% | — | —2.20% $25k–$100k | — |
| 24 monthsTier: Less than $25,000 | 2.20% | — | — | 2.20% | $445 |
| 36 monthsTier: $100,000 + | — | — | 2.00% | —2.00% from $100k | — |
| 36 monthsTier: $25,000 - $99,999 | — | 2.00% | — | —2.00% $25k–$100k | — |
| 36 monthsTier: Less than $25,000 | 2.00% | — | — | 2.00% | $612 |
| 60 monthsTier: $100,000 + | — | — | 2.30% | —2.30% from $100k | — |
| 60 monthsTier: $25,000 - $99,999 | — | 2.30% | — | —2.30% $25k–$100k | — |
| 60 monthsTier: Less than $25,000 | 2.30% | — | — | 2.30% | $1,204 |
Sources (2)
All captured Oct 4, 2026
Great Beginnings CD
1.80%APY · 1 term
Term: 12 months. Ability to add to account with a minimum of $50, or as little as $25 with a recurring transfer from a Peoples Bank checking or savings account. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.80% | $180 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Peoples IRA Certificate of Deposit
Up to 2.30%APY · 6 terms
No set up costs or annual fees. Fixed rates for the term of the CD. IRS limitations and/or early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.05% | $205 |
| 18 months | 2.15% | $324 |
| 24 months | 2.20% | $445 |
| 36 months | 2.00% | $612 |
| 60 months | 2.30% | $1,204 |
Sources (2)
All captured Oct 4, 2026
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.