Bank · FDIC insured
Peoples Savings Bank CD Rates
Peoples Savings Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Peoples Savings Bank’s CD rates compare
Compared with banks and credit unions near Waterloo, IA, where Peoples Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Peoples Savings Bank
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
CD Special Rates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Peoples Savings Bank CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.95%
- QualifiedQualified4.00%
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 Savings 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 Rates
4.00%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
Sources (1)
- bankpsb.com/services/rates · captured Oct 16, 2026
Certificate of Deposit (CD)
Up to 1.95%APY · 8 terms
Early withdrawal penalties apply.
| Term | APY · $1,000 – $10,000 | APY · $1,000 – $150,000 | APY · Over $10,000 | APY · Over $150,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 1.40% | — | 1.40% | — | 1.40%1.40% from $10k | $35 |
| 6 months | — | 1.50% | — | 1.60% | 1.50%1.60% from $150k | $76 |
| 12 months | — | 1.65% | — | 1.75% | 1.65%1.75% from $150k | $165 |
| 18 months | — | 1.75% | — | 1.85% | 1.75%1.85% from $150k | $264 |
| 24 months | — | 1.95% | — | 2.05% | 1.95%2.05% from $150k | $394 |
| 36 months | — | 1.95% | — | 2.05% | 1.95%2.05% from $150k | $596 |
| 48 months | — | 1.95% | — | 2.05% | 1.95%2.05% from $150k | $803 |
| 60 months | — | 1.95% | — | 2.05% | 1.95%2.05% from $150k | $1,014 |
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.