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Personal Savings

Save Now For A Better Tomorrow

Saving is just as important as spending. We want to help you reach your aspirations, no matter what stage of life you're in. Start saving for your future today with our various savings options designed with everyone in mind.

DISCLOSURES

(1) Transfer and withdrawal restrictions: As per Regulation D, Savings Account depositors are not permitted to make more than six (6) restricted transfers or withdrawals in any combination per statement cycle. RESTRICTED TRANSFERS AND WITHDRAWALS include automatic or electronic transfers to the account of the same depositor at Peoples Security Bank and Trust if made by autodraft to/from checking or savings; automatic transfers by Telephone Banking, Online Banking or Mobile Banking. Transfers or withdrawals to third parties each month include ACH preauthorized transfers and Automatic transfers by telephone or PSBT Online Bill Pay. UNRESTRICTED TRANSACTIONS: An unlimited number of savings withdrawals or transfers are allowed when made between accounts of the same depositor in the following situations: in person, by ATM, by telephone with a check mailed to the customer, or to repay a loan at PSBT by autodraft.

(2) $5 monthly service charge for balances below $100.

(3) Variable interest rate subject to change at bank’s discretion. Interest is compounded quarterly and paid quarterly to account at the end of the following months: February, May, August and November

(4) Initial deposit of $0.01 or more required.

(5) $25 service charge each quarter if balance falls below $2,500.

(6) Variable interest rate subject to change at bank’s discretion. Interest is compounded quarterly and paid quarterly to account at the end of the following months: March, June, September and December.

(7) $15 fee for each additional withdrawal per calendar year.

(8) Variable interest rate subject to change at bank’s discretion. Interest is compounded annually and paid annually to account at the end of December each year.

FULL DISCLOSURE OF OUR SAVINGS ACCOUNTS IS AVAILABLE UPON REQUEST.

More Ways to Save

Invest Your Money Today for a Greater Return Tomorrow

Certificates of Deposit (CDs)

Invest and grow your savings with peace of mind. All you need to do is choose how much you would like to deposit and the length of the term.

  • Your choice of interest payment options
  • Competitive, fixed interest rates
  • Full range of fixed terms from 3 months up to 84 months
  • Fully protected by FDIC insurance up to $250,000

Money Market Accounts1

Earn market rates and easily access your funds using a check or a convenient bank transfer. All this convenience and FDIC insurance too.

  • $2,500 minimum initial deposit
  • NO monthly service charge with a minimum balance of $2,5002
  • Interest is based on the following tiers3
    • $2,500.00 - $24,999.99
    • $25,000.00 - $49,999.99
    • $50,000.00 - $499,999.99
    • $500,000.00 - $4,999,999.99
    • $5,000,000.00 or more

DISCLOSURES

(1) Transfer and withdrawal restrictions: Money Market Account depositors are not permitted to make more than six (6) restricted transfers or withdrawals in any combination per statement cycle. RESTRICTED TRANSFERS AND WITHDRAWALS include automatic or electronic transfers to the account of the same depositor at Peoples Security Bank and Trust if made by autodraft to/from checking or savings; automatic transfers by Telephone Banking, Online Banking or Mobile Banking; or checks payable to a third party. Transfers or withdrawals to third parties each month include ACH preauthorized transfers and Automatic transfers by telephone or PSBT Online Bill Pay. UNRESTRICTED TRANSACTIONS: An unlimited number of savings withdrawals or transfers are allowed when made between accounts of the same depositor in the following situations: in person, by ATM, by telephone with a check mailed to the customer, or to repay a loan at PSBT by autodraft.

(2) $8 monthly service charge if daily balance falls below $2,500.

(3) Interest rates are variable. Balances between $1,000-$2,499 will accrue interest at the prevailing NOW account rate. Call your local branch or visit our Rates page for current rates.

FULL DISCLOSURE OF OUR CD OR MONEY MARKET ACCOUNTS IS AVAILABLE UPON REQUEST.

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Deposit Rates

Let's find the right product to make your money work harder for you. View our deposit rates to see which type of account could benefit you the most.

View Rates