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Deposit Rates

Checking Accounts1

Account Minimum Opening Deposit Balance Required to Obtain APY Interest Rate APY
Personal NOW Checking $1,000 $1,000 or more 0.05% 0.05%
Peoples Package Checking $25 $1.00 or more 0.10% 0.10%
Business Interest Checking $2,500 $2,500.00 or more 0.05% 0.05%
Premium Business Checking $10,000 $10,000 - $34,999.99 0.05% 0.05%
$35,000 - $59,999.99 0.10% 0.10%
$60,000 - $499,999.99 0.10% 0.10%
$500,000 or more 0.15% 0.15%

Account Minimum Opening Deposit Balance Required to Obtain APY Interest Rate APY
Money Market $2,500 $1,000 - $2,499.99 refer to NOW Account refer to NOW Account
$2,500 - $24,999.99 0.05% 0.05%
$25,000 - $49,999.99 0.05% 0.05%
$50,000 - $499,999.99 0.10% 0.10%
$500,000 - $4,999,999.99 0.15% 0.15%
$5,000,000 or more 0.20% 0.20%

Savings Accounts1

Account Minimum Opening Deposit Balance Required to Obtain APY Interest Rate APY
Statement Savings $100 $0.01 or more 0.05% 0.05%
Certificate Savings $2,500 $2,500 or more 0.10% 0.10%
Statement Saver Club $5 $0.01 or more 0.05% 0.05%

Certificates of Deposit2

APY is based on the required minimum balance of $1,000.

Term Minimum Opening Deposit Interest Rate APY
3 Months $1,000 0.15% 0.15%
6 Months $1,000 0.20% 0.20%
9 Months $1,000 0.20% 0.20%
12 Months $1,000 0.25% 0.25%
18 Months $1,000 0.25% 0.25%
24 Months $1,000 0.30% 0.30%
30 Months $1,000 0.30% 0.30%
36 Months $1,000 0.35% 0.35%
42 Months $1,000 0.35% 0.35%
48 Months $1,000 0.40% 0.40%
60 Months $1,000 0.50% 0.50%
84 Months $1,000 0.70% 0.70%

Individual Retirement Accounts2

APY is based on the required minimum balance of $1,000

Term Minimum Opening Deposit Interest Rate APY
1 Year $1,000 0.25% 0.25%
2 Years $1,000 0.30% 0.30%
4 Years $1,000 0.40% 0.40%
5 Years $1,000 0.50% 0.50%
6 Years $1,000 0.60% 0.60%

Checking Accounts1

NOW Checking

Minimum Opening Deposit
$1,000

Balance Required to Obtain APY
$1,000 or more

Interest Rate
0.05%

APY
0.05%

Peoples Package Checking

Minimum Opening Deposit
$25

Balance Required to Obtain APY
$1,000 or more

Interest Rate
0.10%

APY
0.10%

Business Interest Checking

Minimum Opening Deposit
$2,500

Balance Required to Obtain APY
$2,500.00 or more

Interest Rate
0.05%

APY
0.05%

Premium Business Checking

Minimum Opening Deposit
$10,000

Balance Required to Obtain APY
$10,000 - $34,999.99
$35,000 - $59,999.99
$60,000 - $499,999.99
$500,000 or more

Interest Rate
0.05%
0.10%
0.10%
0.15%

APY
0.05%
0.10%
0.10%
0.15%

Money Market

Minimum Opening Deposit
$2,500

Balance Required to Obtain APY
$1,000.00 - $2,499.99
$2,500.00 - $24,999.99
$50,000.00 - $499,999.99
$500,000.00 - $4,999,999.99
$5,000,000.00 or more

Interest Rate
refer to NOW Account
0.05%
0.05%
0.10%
0.15%
0.20%

APY
refer to NOW Account
0.05%
0.05%
0.10%
0.15%
0.20%

Savings Accounts1

Statement Savings

Minimum Opening Deposit
$100

Balance Required to Obtain APY
0.01 or more

Interest Rate
0.05%

APY
0.05%

Certificate Savings

Minimum Opening Deposit
$2,500

Balance Required to Obtain APY
$2,500 or more

Interest Rate
0.10%

APY
0.10%

Statement Saver Club

Minimum Opening Deposit
$5

Balance Required to Obtain APY
$0.01 or more

Interest Rate
0.05%

APY
0.05%

Certificates of Deposit2

APY is based on the required minimum balance of $1,000.

Certificates of Deposit
3 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.15%

APY
0.15%

6 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.20%

APY
0.20%

9 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.20%

APY
0.20%

12 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.25%

APY
0.25%

18 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.25%

APY
0.25%

24 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.30%

APY
0.30%

30 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.30%

APY
0.30%

36 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.35%

APY
0.35%

42 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.35%

APY
0.35%

48 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.40%

APY
0.40%

60 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.50%

APY
0.50%

84 Months

Minimum Opening Deposit
$1,000

Interest Rate
0.70%

APY
0.70%

Individual Retirement Accounts2

APY is based on the required minimum balance of $1,000

Certificates of Deposit
1 Year

Minimum Opening Deposit
$1,000

Interest Rate
0.25%

APY
0.25%

2 Years

Minimum Opening Deposit
$1,000

Interest Rate
0.30%

APY
0.30%

4 Years

Minimum Opening Deposit
$1,000

Interest Rate
0.40%

APY
0.40%

5 Years

Minimum Opening Deposit
$1,000

Interest Rate
0.50%

APY
0.50%

6 Years

Minimum Opening Deposit
$1,000

Interest Rate
0.60%

APY
0.60%

DISCLOSURES

Accounts enrolled to receive electronic statements only will not incur a statement fee. A $2 paper statement fee will be charged per statement cycle effective 10/1/22. Must be currently enrolled in PSBT Online Banking in order to receive eStatements.
 
(1) Annual Percentage Yields (APYs) and interest rates are variable and may change at any time including after account is opened. APYs and interest rates are accurate as of 06.13.2024. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings.
(2) Annual Percentage Yields (APYs) and interest rates are accurate as of 06.13.2024. A penalty may be imposed for early withdrawal. 

Bauer 5-Star Rated

BAUER 5-STAR RATED

Peoples Security Bank & Trust recently received a 5-Star Superior Rating from BauerFinancial, Inc. Our bank has received this award for the past 37 consecutive quarters.

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