Bank · FDIC insured
Peoples State Bank CD Rates
Peoples State Bank’s best CD rate is 4.25% APY on an 11-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Peoples State Bank’s CD rates compare
Compared with banks and credit unions near Rochester, MN, where Peoples State Bank has the most branches. $10,000, best rate first.
This bank’s best
Peoples State Bank
4.25%APY
- Term
- 11 months
- Minimum
- $10,000
- Earns on $10,000
- $389
Certificates of Deposit (CDs)
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
Peoples State Bank CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo1.41%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.25%
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 State 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.
Certificates of Deposit (CDs)
Up to 4.25%APY · 10 terms
1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
| Term | APY · $250 – $10,000 | APY · $2,500 and up | APY · $2,500 – $35,000 | APY · $10,000 and up | APY · $10,000 – $35,000 | APY · $35,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 1 month | — | 1.00% | — | — | — | — | 1.00% | $8 |
| 3 months | — | 1.15% | — | — | — | — | 1.15% | $29 |
| 6 months | — | — | 1.41% | — | — | 1.51% | 1.41%1.51% from $35k | $70 |
| 11 months11-Month CD SPECIAL. Renews at a 12-Month term | — | — | — | 4.25% | — | — | 4.25% | $389 |
| 12 months | 3.24% | — | — | — | 3.44% | 3.65% | 3.44%3.24% $250–$10k3.65% from $35k | $344 |
| 15 months15 Month Special | — | — | — | 4.24% | — | — | 4.24% | $533 |
| 24 months | 3.55% | — | — | — | 3.65% | 3.75% | 3.65%3.55% $250–$10k3.75% from $35k | $743 |
| 36 months | 3.65% | — | — | — | 3.75% | 3.85% | 3.75%3.65% $250–$10k3.85% from $35k | $1,168 |
| 48 months | 3.75% | — | — | — | 3.85% | 3.96% | 3.85%3.75% $250–$10k3.96% from $35k | $1,631 |
| 60 months | 3.75% | — | — | — | 3.85% | 3.96% | 3.85%3.75% $250–$10k3.96% from $35k | $2,079 |
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.