Bank · FDIC insured
Peoples Savings Bank Savings Rates
Peoples Savings Bank’s best savings rate is 0.65% APY on $10,000, with its Hi-Fi. Rates checked October 16, 2026.
How Peoples Savings Bank’s savings 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
0.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $65
Hi-Fi
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Collins Community Credit Union
3.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
Peoples Savings Bank savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.19%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.65%
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 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.
Irrevocable Funeral Plan Trust
1.95%APY
Formal irrevocable trust to save for funeral, cremation and/or burial expenses. Funds cannot be withdrawn after deposit until an invoice is received from a funeral home or cremation service. Subject to State maximum limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.95% | $195 |
Hi-Fi
0.65%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.55% | — |
| $2,500 – $25,000 | 0.65% | $65 |
| $25,000 – $100,000 | 0.75% | — |
| $100,000 – $300,000 | 0.85% | — |
| $300,000 – $500,000 | 0.95% | — |
| Over $500,000 | 1.05% | — |
Sources (1)
- bankpsb.com/services/rates · captured Oct 16, 2026
Regular Savings
0.19%APY
Debit Charge of $1.00 each in excess of five withdrawals per calendar month. ATM Card Fee $15.00 + tax per year (waived with eStatements). Minimum Balance fee of $0.50 per month if balance falls below $50.00 any day of the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.19% | $19 |
Special-purpose accounts
Individual Retirement Accounts (IRA)
2.50%APY
Available IRA Types: Traditional IRA, Roth IRA, Beneficiary IRA. IRS contribution limits apply. Transfer out and closing fees apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.50% | $250 |
Christmas Club Savings
1.11%APY
$10.00 minimum automatic monthly deposit required. $10,000.00 maximum deposit per year. Receive funds via deposit or check on November 1st each year. No minimum balance, opening account deposit, debit fees, service charges, or dormant fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.11% | $111 |
Monster Saver
0.19%APY
Designed for children. PSB deposits $5.00 when opened and $5.00 on every birthday up to age 14. Pick a treasure from the Monster Vault with each deposit. No opening deposit, debit fees, service charges, or dormant fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$50.00 minimum balance to obtain APY.$50 and up | 0.19% | $19 | $50.00 minimum balance to obtain APY. |
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.