Bank · FDIC insured
Peoples Bank Savings Rates
Peoples Bank’s best savings rate is 0.20% APY on $10,000, with its Personal Money Market. Rates checked October 22, 2026.
How Peoples Bank’s savings 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
0.20%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $20
Personal Money Market
Top rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
First Fed Bank
3.45%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $345
Peoples Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0002.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Money Market
0.20%APY
Minimum daily balance of $10,000 to avoid $10 monthly service charge. Limited to 10 free withdrawals per month; excess withdrawal fee of $5 per withdrawal over limit up to $20/month. Variable tiered rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Rates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings. | 0.20% | $20 | Rates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings. |
| $25,000 – $99,999Rates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings. | 0.70% | — | Rates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings. |
| $100,000 and upRates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings. | 2.20% | — | Rates variable and subject to change after opening. $50 minimum deposit to open. There is no minimum to earn interest. Fees could reduce earnings. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Peoples IRA Money Market
0.05%APY
No set up costs or annual fees. Available as Traditional and Roth IRA options.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Rates variable and subject to change after opening. Minimum $50 to open. There is no minimum to earn interest. Fees could reduce earnings. | 0.05% | $5 | Rates variable and subject to change after opening. Minimum $50 to open. There is no minimum to earn interest. Fees could reduce earnings. |
| $25,000 – $99,999Rates variable and subject to change after opening. Minimum $50 to open. There is no minimum to earn interest. Fees could reduce earnings. | 0.05% | — | Rates variable and subject to change after opening. Minimum $50 to open. There is no minimum to earn interest. Fees could reduce earnings. |
| $100,000 and upRates variable and subject to change after opening. Minimum $50 to open. There is no minimum to earn interest. Fees could reduce earnings. | 0.10% | — | Rates variable and subject to change after opening. Minimum $50 to open. There is no minimum to earn interest. Fees could reduce earnings. |
Sources (2)
All captured Oct 4, 2026
Personal Savings
0.10%APY
Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19 years of age). Limited to 10 free withdrawals per month; excess withdrawal fee of $5 per additional withdrawal (maximum charge $20/month). Rates are variable and subject to change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll balances earn 0.10% APY. Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19). No minimum to earn interest.Any balance | 0.10% | $10 | All balances earn 0.10% APY. Minimum daily balance of $300 to avoid $3 monthly service charge (waived for youth under 19). No minimum to earn interest. |
Sources (2)
All captured Oct 4, 2026
Youth Savings
0.09%APY on $10,000
Designed for children and teens under 19. No monthly service charge, no minimum balance required to maintain the account. Rates are variable and subject to change after account opening.
| Part of the balance | Rate on that part |
|---|---|
| $1,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.09% APY, earning $9 a year.
Health Savings Account
0.05%APY
Pair this account with a high-deductible health plan (HDHP). Subject to IRS limitations and penalties. Includes standard checks, debit card, and online banking; paper statements are optional for $5 fee. No penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll balances earn 0.05% APY. A service fee of $3.00 is assessed each month regardless of balance. No minimum daily balance needed to avoid monthly service charge. There is no minimum to earn interest.Any balance | 0.05% | $5 | All balances earn 0.05% APY. A service fee of $3.00 is assessed each month regardless of balance. No minimum daily balance needed to avoid monthly service charge. There is no minimum to earn interest. |
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.