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CDs & IRAs

Peoples Security Bank & Trust offers CDs for varied terms and with competitive interest rates. Terms and conditions vary. Please ask any Customer Service Representative for more information.

View our current rates


Certificates of Deposit

For customers desiring to “Lock In” a fixed interest rate for a specified term in a secure investment instrument.

  • Choice of interest payment options
  • Competitive rates
  • Full range of maturity date options from 3 months up to 84 months
  • FDIC insured up to $250,000 per depositor

Individual Retirement Accounts (IRAs)

Peoples Security Bank & Trust provides both Traditional and Roth IRAs with fixed and variable terms at competitive interest rates. Terms and conditions vary.

Traditional IRA

IRAs provide a means by which an individual may save for retirement. Contributions to the traditional IRA may be tax deductible* and interest on the IRA is not taxable until withdrawn.

Roth IRA

Roth IRAs are Individual Retirement Accounts resulting from contributions of after-tax dollars. Withdrawals from Roth IRAs are income tax free.* To be eligible to contribute to a Roth IRA, the individual and their spouse must satisfy certain rules regarding taxable income.

IRA News

For Information regarding the most recent IRA strategies—Keeping you informed, our IRA Newsletter provides answers to frequently asked questions and much more.

Learn more about IRA News


*Consult your tax advisor.

Full Disclosure of our individual retirement accounts is available upon request.

Rates are subject to change. You may contact any branch location to obtain the most current rate and APY information. For variable rate accounts, rate may change after account opening. Minimum balance required to open/obtain APY. A penalty may be imposed for early withdrawal. Fees may reduce earnings.