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Certificates of Deposit (CDs)

Secure, High-Yield Savings in PA, NY & NJ

Grow your savings with the security and predictability of a Certificate of Deposit (CD) from Peoples Security Bank & Trust. Whether you're in Pennsylvania, New York, or New Jersey, our CD accounts offer fixed interest rates, flexible terms, and the personal support of a community-focused bank.

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or find a branch in PA, NY, or NJ

Maximize Your Savings—Open a PSBT CD Today

A Certificate of Deposit (CD) is a time-based savings account where your money earns interest over a fixed term. Unlike traditional savings accounts, CDs generally offer higher interest rates in exchange for leaving your funds untouched until the maturity date. At PSBT, we make it easy to invest with confidence.

When you choose PSBT, you're partnering with a community-focused bank that puts your financial goals first.

Security

Your money is protected with FDIC insurance up to the legal limit.

Simplicity

Choose your term, deposit your funds, and earn.

Consistency

Fixed interest means you know exactly what your return will be.

Flexibility

From 3 months to 5 years, pick the term that works best for you.

Competitive

Earn more with rates designed to outperform traditional savings accounts.

Local

Our knowledgeable teams across 39 branches in PA, NY, and NJ are here to help.

Current CD Rates in PA, NY & NJ

Peoples Security Bank & Trust offers a wide range of Certificate of Deposit terms—from 3 months to 60 months—with competitive fixed interest rates that reward larger deposits. With a minimum opening balance of just $1,000, customers can choose from tiered rate options that increase with deposit amounts of $50,000 or $100,000 and above.

Whether you're looking for short-term growth with a 3- or 6-month CD, or planning long-term with a 36-, 48-, or 60-month term, PSBT provides flexible savings solutions tailored to your financial goals. Rates vary by term and deposit tier, so contact your local branch to find the best CD option for you in Pennsylvania, New York, or New Jersey.

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or find a branch in PA, NY, or NJ

CD Specials Available Near You

Looking for even higher returns? Some Peoples Security Bank & Trust branches offer limited-time CD specials with enhanced interest rates. To learn about current offers available near you, contact your local branch directly.

LOCATIONS

How to Open a Certificate of Deposit (CD) Account

Getting started is easy. Visit or contact your nearest Peoples Security Bank & Trust branch to open a Certificate of Deposit. Our team will guide you through the available terms, rates, and any promotional CD offers currently available in your area.

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or find a branch in PA, NY, or NJ

CD Frequently Asked Questions

A CD is a savings account that holds your funds for a fixed period and pays interest at a locked-in rate. At maturity, you receive your initial deposit plus earned interest.

Rates are typically the same across Pennsylvania, New York, and New Jersey, but certain CD specials may vary. Contact your local branch to learn about current offers.

Yes, but early withdrawal penalties may apply. Be sure to review the terms when opening your CD.

You can choose how often you'd like to receive interest payments—monthly, quarterly, or at maturity—based on the CD product.

Get started today!

Complete this quick form, CHAT with us, call us at 1.844.PSBT.NOW, or stop by any of our community offices across Pennsylvania, New York or New Jersey to speak with a banker today.

GET IN TOUCH

or find a branch in PA, NY, or NJ