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Peoples Bank - CDs

Certificates of Deposit (CDs)

Certificates of Deposit are a popular and safe way to achieve your financial goals. We offer a wide variety of time deposit accounts including fixed rate accounts with terms from 6-months to five years, variable rate accounts that change with the market, and accounts that allow you to make additional deposits.

 

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Great Beginnings CD - Peoples Add-On Certificate

Term 12 months
Minimum opening deposit $100
Interest rate Fixed rates are tiered depending on balance.
Online banking Included.
Monthly service charge $0
Penalty for early withdrawal Any principal withdrawn before the maturity date is subject to an early withdrawal penalty. If the term is one year or less, the penalty is equal to three month’s interest on the amount withdrawn. If the term is more than one year, the penalty is equal to six month’s interest on the amount withdrawn.
Minimum Additions Minimum Additions of $50.00. Additions of $25.00 are permitted when an automatic withdrawal is made from a Peoples checking or savings account.

Great Beginnings CD Rates

     
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Personal CD - Peoples Fixed Rate

Minimum opening deposit $500
Interest rate Fixed rates are tiered depending on balance.
Online banking Included
Monthly service charge NA
Penalty for early withdrawal Any principal withdrawn before the maturity date is subject to an early withdrawal penalty. If the term is one year or less, the penalty is equal to three month’s interest on the amount withdrawn. If the term is more than one year, the penalty is equal to six month’s interest on the amount withdrawn.

 

Personal CD Rates

     
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Compare Personal Savings Accounts

  Personal Savings » Personal Premium Savings » Certificates of Deposit » Money Market » Health Savings Account »
Minimum Daily Balance to Avoid Monthly Service Charge $300 $25,000 n/a $1,000 None
Monthly Service Charge (if below minimum) $3 $15 $0 $10 $3 applies regardless of balance
Minimum Balance to Open $100 $100 Varies $100 $100 to open
Penalty for Early Withdrawals No No May apply No No
Interest Rate Details » *Tiered rates pay higher Annual Percentage Yield (APY) on higher balances. Details » Fixed and variable rates available and are tiered based on balance. Details » *Tiered rates pay higher Annual Percentage Yield on higher balances. Details » Variable tiered rates pay higher Annual Percentage Yield on higher balances. Details »
Ability to Write Checks No No No Yes Yes
Well Suited to These Savings Goals Children's savings accounts, balances less than $25,000. Saving with the option to withdraw without penalty. Balances greater than $25,000. Saving with the option to withdraw without penalty. Longer-term savings goals with no anticipated need to withdraw during CD's term. Earn a competitive interest rate while retaining immediate access to your funds. Pair this account with a high-deductible health plan (HDHP).

Refer to our Miscellaneous Fee Schedule for complete details and fee information.