Bank · FDIC insured
PeoplesBank CD Rates
PeoplesBank’s best CD rate is 3.75% APY on a 10-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How PeoplesBank’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where PeoplesBank has the most branches. $10,000, best rate first.
This bank’s best
PeoplesBank
3.75%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $312
Certificate of Deposit
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
PeoplesBank CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo0.05%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo0.40%
- QualifiedQualified3.75%
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 PeoplesBank 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.
Certificate of Deposit
Up to 3.75%APY · 12 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Penalty for early withdrawal may apply | 0.05% | $1 |
| 6 monthsFixed rate. Penalty for early withdrawal may apply | 0.05% | $2 |
| 9 monthsFixed rate. Penalty for early withdrawal may apply | 0.05% | $4 |
| 10 monthsPromotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply | 3.75% | $312 |
| 12 monthsFixed rate. Penalty for early withdrawal may apply | 0.10% | $10 |
| 18 monthsFixed rate. Penalty for early withdrawal may apply | 0.15% | $23 |
| 20 monthsPromotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply | 3.50% | $590 |
| 24 monthsFixed rate. Penalty for early withdrawal may apply | 0.20% | $40 |
| 30 monthsPromotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply | 3.00% | $767 |
| 36 monthsFixed rate. Penalty for early withdrawal may apply | 0.25% | $75 |
| 48 monthsFixed rate. Penalty for early withdrawal may apply | 0.30% | $121 |
| 60 monthsFixed rate. Penalty for early withdrawal may apply | 0.40% | $202 |
Sources (2)
- bankatpeoples.com/home/persona…k/savings/personal-rates
- bankatpeoples.com/home/persona…compare-personal-savings
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.75%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsPromotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply | 3.75% | $312 |
| 20 monthsPromotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply | 3.50% | $590 |
| 30 monthsPromotional rate. Account must be opened in one of our banking centers and is available to consumer customers only. Fixed rate. Penalty for early withdrawal may apply | 3.00% | $767 |
Sources (1)
- bankatpeoples.com/home/persona…k/savings/personal-rates · captured Oct 15, 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.