Bank · FDIC insured
The Peoples Community Bank Savings Rates
The Peoples Community Bank’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How The Peoples Community Bank’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $5
Money Market
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
The Peoples Community Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.65%
- QualifiedQualified0.05%
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 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.
Premium Savings
0.03%APY
Must deposit $25,000.00 to open. Monthly service charge of $10.00 if daily balance falls below $25,000.00 any day of the month. Limit of 4 in-person or teller-assisted withdrawals/transfers per calendar month ($1.00 fee per excess withdrawal). $2.00 printed statement fee waived with e-statement enrollment. Tiered interest paid on entire balance based on daily balance. Rate may change daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance is less than $25,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. | 0.03% | $3 | Daily balance is less than $25,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. |
| $25,000 – $50,000Daily balance is more than $24,999.99, but less than $50,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. | 1.50% | — | Daily balance is more than $24,999.99, but less than $50,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. |
| $50,000 – $100,000Daily balance is more than $49,999.99, but less than $100,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. | 1.50% | — | Daily balance is more than $49,999.99, but less than $100,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. |
| $100,000 – $250,000Daily balance is more than $99,999.99, but less than $250,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. | 2.65% | — | Daily balance is more than $99,999.99, but less than $250,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. |
| $250,000 – $500,000Daily balance is more than $249,999.99, but less than $500,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. | 3.10% | — | Daily balance is more than $249,999.99, but less than $500,000.00. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. |
| $500,000 and upDaily balance is more than $499,999.99. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. | 3.40% | — | Daily balance is more than $499,999.99. Interest paid on entire balance. $10.00 monthly fee if daily balance falls below $25,000.00. Rate current as of 08-31-2026. |
Sources (2)
All captured Oct 16, 2026
Money Market
0.05%APY
Minimum balance to open is $500. Up to 6 preauthorized, automatic, or telephone transfers or checks/debits permitted per month or 4-week period; unlimited in-person withdrawals. Interest compounded and credited monthly using the daily balance method. $2.00 printed statement fee waived with e-statement enrollment. Optional ATM card has a $20 annual fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.01% | — |
| $2,500 – $9,999 | 0.03% | — |
| $10,000 – $24,999 | 0.05% | $5 |
| $25,000 – $49,999 | 0.10% | — |
| $50,000 – $99,999 | 0.15% | — |
| $100,000 – $249,999 | 0.20% | — |
| $250,000 – $499,999 | 0.25% | — |
| $500,000 and up | 0.30% | — |
Sources (3)
- thepcb.bank/personal/savings-accounts
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…/Rate-&-Fee-Schedule.pdf
All captured Oct 16, 2026
Homeowner's Savings
0.03%APY
Must deposit $1.00 to open. Up to 6 preauthorized, automatic, telephone, check, or debit transfers per 4-week or similar period. Unlimited in-person, messenger, mail, or ATM transfers/withdrawals. Paper statements available for $2.00 per statement cycle. Rate may change daily.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceRate current as of 08-31-2026. $1.00 opening deposit minimum.Any balance · $1 to open | 0.03% | $1 | $3 | Rate current as of 08-31-2026. $1.00 opening deposit minimum. |
| Any balanceRates as of September 17, 2026. Listed with no minimum balance to earn APY.Any balance · Unknown to open | 0.03% | Unknown | $3 | Rates as of September 17, 2026. Listed with no minimum balance to earn APY. |
Sources (2)
All captured Oct 16, 2026
Simply Good Savings
0.03%APY
Must deposit $100.00 to open. Monthly service charge of $3.00 if daily balance falls below $100.00 any day of the month. Limit of 4 in-person or teller-assisted withdrawals/transfers per calendar month ($1.00 fee per excess withdrawal). $2.00 printed statement fee waived with e-statement enrollment. Rate may change daily.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceRate and APY current as of 08-31-2026. $3.00 monthly fee if daily balance falls below $100.00.Any balance · $100 to open | 0.03% | $100 | $3 | Rate and APY current as of 08-31-2026. $3.00 monthly fee if daily balance falls below $100.00. |
| Any balanceRates as of September 17, 2026. Listed with no minimum balance to earn APY ($100 minimum daily balance avoids service charge).Any balance · Unknown to open | 0.03% | Unknown | $3 | Rates as of September 17, 2026. Listed with no minimum balance to earn APY ($100 minimum daily balance avoids service charge). |
Sources (3)
- thepcb.bank/personal/savings-accounts
- thepcb.bank/resources/current-deposit-rates
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
1.75%APY
Must deposit $100.00 to open account. Interest compounded and credited quarterly. Rate may change daily. Paper statements available for $2.00 per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate current as of 08-31-2026. $100.00 deposit required to open.Any balance | 1.75% | $175 | Rate current as of 08-31-2026. $100.00 deposit required to open. |
Sources (1)
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf · captured Oct 16, 2026
Holiday Savings
0.50%APY
No minimum required balance to open account. Interest credited at maturity (October 20, 2026) when funds are transferred to another deposit account; comparison page notes interest credited annually without compounding. Penalty-free withdrawals allowed from October 20 to December 31; $25.00 penalty for withdrawals outside this window. $5.00 fee if check requested instead of internal transfer upon October 20. $2.00 printed statement fee waived with e-statement enrollment.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate current as of 08-31-2026. No minimum balance required to open. Club account period ends October 20, 2026. $25 penalty for early withdrawal outside Oct 20 - Dec 31. $2.00 printed statement fee waived with e-statement enrollment.Any balance | 0.50% | $50 | Rate current as of 08-31-2026. No minimum balance required to open. Club account period ends October 20, 2026. $25 penalty for early withdrawal outside Oct 20 - Dec 31. $2.00 printed statement fee waived with e-statement enrollment. |
Sources (2)
All captured Oct 16, 2026
Minor Savings
0.03%APY
Must deposit $100.00 to open. Monthly service charge of $3.00 if daily balance falls below $100.00 any day of the month; fee is waived for seniors aged 60 or better, children under age 18, or full-time students under age 25. Limit of 4 in-person or teller-assisted withdrawals/transfers per calendar month ($1.00 fee per excess withdrawal). Paper statements available for $2.00 per statement cycle. Rate may change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate current as of 08-31-2026. $3.00 monthly service charge if daily balance falls below $100.00, waived for seniors aged 60+, children under 18, or full-time students under 25.Any balance | 0.03% | $3 | Rate current as of 08-31-2026. $3.00 monthly service charge if daily balance falls below $100.00, waived for seniors aged 60+, children under 18, or full-time students under 25. |
Sources (1)
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf · captured Sep 18, 2026
Senior Savings
0.03%APY
Must deposit $100.00 to open. Monthly service charge of $3.00 if daily balance falls below $100.00 any day of the month; fee is waived for seniors aged 60 or better, children under age 18, or full-time students under age 25. Limit of 4 in-person or teller-assisted withdrawals/transfers per calendar month ($1.00 fee per excess withdrawal). Paper statements available for $2.00 per statement cycle. Rate may change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate current as of 08-31-2026. $3.00 monthly service charge if daily balance falls below $100.00, waived for seniors aged 60+, children under 18, or full-time students under 25.Any balance | 0.03% | $3 | Rate current as of 08-31-2026. $3.00 monthly service charge if daily balance falls below $100.00, waived for seniors aged 60+, children under 18, or full-time students under 25. |
Sources (1)
- thepcb.bank/uploads/userfiles/…ate-%26-Fee-Schedule.pdf · captured Oct 16, 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.