Bank · FDIC insured
The Peoples Community Bank CD Rates
The Peoples Community Bank’s best CD rate is 3.45% APY on a 7-month CD. Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How The Peoples Community Bank’s CD rates compare
Compared with banks and credit unions near Madison, WI, where The Peoples Community Bank has the most branches. $10,000, best rate first.
This bank’s best
The Peoples Community Bank
3.45%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $200
7 Month No Penalty CD Special
Top rate
Madison Fire Department Credit Union
4.55%APY
- Term
- 16 months
- Minimum
- —
- Earns on $10,000
- $611
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
The Peoples Community Bank CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo1.40%
- 31–60 months31–60 mo1.55%
- QualifiedQualified3.45%
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 The Peoples Community 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.
7 Month No Penalty CD Special
3.45%APY · 1 term
Offers three penalty free withdrawals of $500 or more during the term. A minimum balance of $5,000 must be maintained. Automatically renews for a 6-month term upon maturity at the 6-month fixed rate in effect at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsThree penalty-free withdrawals of $500 or more allowed after first 6 days. Minimum balance of $5,000 required | 3.45% | $200 |
Sources (3)
- thepcb.bank/personal/certificates-of-deposit
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Sep 24, 2026
9 Month CD Special
3.40%APY · 1 term
Automatically renews for a 6-month term upon maturity at the 6-month fixed rate in effect at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRequires maintaining the minimum balance | 3.40% | $254 |
Sources (3)
- thepcb.bank/personal/certificates-of-deposit
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Sep 24, 2026
13 Month CD Special
3.20%APY · 1 term
Automatically renews for a 12-month term upon maturity at the 12-month fixed rate in effect at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequires maintaining the minimum balance | 3.20% | $347 |
Sources (3)
- thepcb.bank/personal/certificates-of-deposit
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Sep 24, 2026
Fixed Rate CD
Up to 1.55%APY · 8 terms
Minimum balance of $500 required to open and obtain APY. FDIC insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 30 days interest | 0.35% | $9 |
| 6 monthsEarly withdrawal penalty: 90 days interest | 0.50% | $25 |
| 12 monthsEarly withdrawal penalty: 90 days interest | 1.25% | $125 |
| 18 monthsEarly withdrawal penalty: 180 days interest | 1.30% | $196 |
| 24 monthsEarly withdrawal penalty: 180 days interest | 1.35% | $272 |
| 30 monthsEarly withdrawal penalty: 180 days interest | 1.40% | $354 |
| 36 monthsEarly withdrawal penalty: 180 days interest | 1.50% | $457 |
| 48 monthsEarly withdrawal penalty: 180 days interest | 1.55% | $635 |
Sources (3)
- thepcb.bank/personal/certificates-of-deposit
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Sep 24, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 3.45%APY · 7 terms
IRA Certificate options available in Traditional and Roth IRAs with fixed, variable, and special term rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7 Month No Penalty IRA CD. Allows three penalty-free withdrawals of $500 or more after initial 6 days. Automatically renews for a 12-month term at maturity at the 12-month fixed rate IRA CD | 3.45% | $200 |
| 9 months9 Month CD IRA. Automatically renews for a 12-month term at the current 12-month IRA CD rate | 3.40% | $254 |
| 12 monthsFixed rate IRA CD. Early withdrawal penalty: 90 days interest | 1.25% | $125 |
| 13 months13 Month CD IRA. Automatically renews for a 12-month term at maturity at the 12-month fixed rate IRA CD | 3.20% | $347 |
| 24 monthsVariable rate IRA CD. Includes Flex Option to convert to fixed rate once per term | 1.35% | $272 |
| 36 monthsFixed rate IRA CD. Early withdrawal penalty: 180 days interest | 1.50% | $457 |
| 48 monthsVariable rate IRA CD. Includes Flex Option to convert to fixed rate once per term | 1.55% | $635 |
Sources (3)
- thepcb.bank/personal/retirement-accounts
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Sep 24, 2026
College Saver CDs
Up to 3.40%APY · 2 terms
For students up to age 25. Requires a minimum deposit of $250 to open and obtain APY. Unlimited deposits of $25 or more can be made at any time. Post-high school graduation withdrawals can be made twice per calendar year without penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to persons age 25 and under. Unlimited additional deposits of at least $25. Early withdrawal penalty: 90 days interest | 3.40% | $340 |
| 36 monthsIncludes bump-up feature available once during each subsequent term if posted APY increases. Early withdrawal penalty: 180 days interest | 2.90% | $895 |
Sources (3)
- thepcb.bank/personal/certificates-of-deposit
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Sep 24, 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.