Bank · FDIC insured
Peoples Security Bank & Trust Savings Rates
Top CarrotPeoples Security Bank & Trust’s best savings rate is 3.21% APY on $10,000, with its Online Savings. Rates checked October 16, 2026.
How Peoples Security Bank & Trust’s savings rates compare
Compared with banks and credit unions near Scranton, PA, where Peoples Security Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Peoples Security Bank & Trust
3.00%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $300
Online Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Peoples Security Bank & Trust savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.21%
- $10,000 balance$10,0003.21%
- $100,000 balance$100,0003.21%
- QualifiedQualified3.21%
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 Security Bank & Trust 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.
Online Savings
Up to 3.21%APY
Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNew Customer Special: 3.35% promotional interest rate for the first 6 months. 3.21% is a blended APY over the first 12 months, not a standalone post-promo APY. New customers only; anyone who currently has or had an open PSBT account in the past six months is ineligible. After 6 months the account converts to the standard Online Savings rate. No minimum balance to earn interest. Promo as-of dates conflict: 2026-08-12 on the deposit-rate page vs 2026-07-21 on the product page. | 3.21% | $321 | New Customer Special: 3.35% promotional interest rate for the first 6 months. 3.21% is a blended APY over the first 12 months, not a standalone post-promo APY. New customers only; anyone who currently has or had an open PSBT account in the past six months is ineligible. After 6 months the account converts to the standard Online Savings rate. No minimum balance to earn interest. Promo as-of dates conflict: 2026-08-12 on the deposit-rate page vs 2026-07-21 on the product page. |
| Any balanceRate after the 6-month Online Savings New Customer Special introductory period; variable and may change at any time. No minimum balance to earn interest. | 3.00% | $300 | Rate after the 6-month Online Savings New Customer Special introductory period; variable and may change at any time. No minimum balance to earn interest. |
| Over $0Standard variable Online Savings rate. Rate table states no minimum balance to obtain APY; product spec states $0.01 minimum to earn. $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. | 3.00% | $300 | Standard variable Online Savings rate. Rate table states no minimum balance to obtain APY; product spec states $0.01 minimum to earn. $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. |
Relationship Money Market
0.50%APY
Enhanced consumer money market when linked to an active PSBT personal checking account with one recurring qualifying direct deposit, an active debit card, and online banking enrollment. Interest rates are tiered based on aggregated relationship balance. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum balance is required to earn interest. $8.00 monthly service charge if average daily balance falls below $2,500.00; marketing also states no monthly fee with a linked account. Offered in PA, NY, and NJ.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 0.50% | $50 | Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $100,000 – $250,000Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 0.65% | — | Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $250,000 – $1,000,000Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 1.08% | — | Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $1,000,000 – $5,000,000Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 1.30% | — | Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $5,000,000 and upRequires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 2.13% | — | Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
Personal Money Market
0.05%APY
Consumer money market with check-writing and transfer access; up to 10 free withdrawals or transfers per statement cycle. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum daily/average daily balance is required to earn interest. $8.00 monthly minimum-balance fee if average daily balance falls below $2,500.00. Offered in PA, NY, and NJ.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 0.05% | $5 | Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $100,000 – $249,999Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. Rate-table high bound is $249,999.00. | 0.10% | — | Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. Rate-table high bound is $249,999.00. |
| $250,000 – $1,000,000Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 0.15% | — | Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $1,000,000 – $5,000,000Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 0.30% | — | Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
| $5,000,000 and upVariable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. | 0.45% | — | Variable rates may change at any time. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00. |
Everyday Saver
0.05%APY
Variable tiered rates; no minimum balance required to earn interest. Interest compounded and credited quarterly using the daily balance method. $5 monthly service charge if average daily balance falls below $100; fee assessed and refunded with a recurring direct deposit. Unlimited deposits and withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000$5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate; no minimum balance to earn interest. | 0.05% | $5 | $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate; no minimum balance to earn interest. |
| $50,000 – $100,000$5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate. | 0.15% | — | $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate. |
| $100,000 and up$5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate. | 0.20% | — | $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. Variable rate. |
Sources (3)
- psbt.com/Banking/Personal-Banking/Savings
- psbt.com/Banking/Personal-Banking/Savings/Everyday-Saver
- psbt.com/Learn/Resources/Deposit-Rates
All captured Oct 6, 2026
MaxEarnings Saver
0.00%APY on $10,000
Enhanced rates require being the primary owner of a qualifying MaxEarnings Checking account. Variable rates; no minimum balance required to earn interest. Product page: $5 monthly fee if average daily balance falls below $25, refunded with recurring direct deposit. Comparison table instead uses a $100 average-daily-balance threshold and $0/$5 fee. Interest compounding is stated as monthly on the product page and quarterly in one feature blurb.
| Part of the balance | Rate on that part |
|---|---|
| $25,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
- psbt.com/Banking/Personal-Banking/Savings
- psbt.com/Banking/Personal-Bank…avings/MaxEarnings-Saver
- psbt.com/Learn/Resources/Deposit-Rates
All captured Oct 6, 2026
Special-purpose accounts
Student Saver
0.05%APY
For students under 22; available for minors with a parent/guardian. Variable interest; no minimum required to earn. Interest compounded and credited quarterly. Product details: $5 monthly service charge if average daily balance falls below $25. Comparison table lists $0 monthly fee and $0 minimum balance. Unlimited deposits and withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStudents under 22. Rate table: no minimum balance to obtain APY. $5 monthly fee if average daily balance is below $25 (comparison table instead shows $0 fee). Variable rate.Any balance | 0.05% | $5 | Students under 22. Rate table: no minimum balance to obtain APY. $5 monthly fee if average daily balance is below $25 (comparison table instead shows $0 fee). Variable rate. |
Sources (3)
- psbt.com/Banking/Personal-Banking/Savings
- psbt.com/Banking/Personal-Banking/Savings/Student-Saver
- psbt.com/Learn/Resources/Deposit-Rates
All captured Oct 6, 2026
Anytime Savers Club
0.03%APY
Goal-based/holiday or vacation club alternative with no minimum balance to open, maintain, or earn interest. $10 opening deposit. $0 monthly fee. Variable interest compounded and credited quarterly using the daily balance method. One free withdrawal per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to obtain APY. Variable rate. $0 monthly fee.Any balance | 0.03% | $3 | No minimum balance to obtain APY. Variable rate. $0 monthly fee. |
Sources (3)
- psbt.com/Banking/Personal-Banking/Savings
- psbt.com/Banking/Personal-Bank…ings/Anytime-Savers-Club
- psbt.com/Learn/Resources/Deposit-Rates
All captured Oct 6, 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.