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Deposit Rates

Checking Accounts1

Account Minimum Opening Deposit Balance Required to Obtain APY Interest Rate APY1
Personal Interest Checking $25 $0.01 or more 0.05% 0.05%
MaxEarnings Checking $25 $0.01 - $5,000.00

$5,000.01 or more
4.89%

0.05%
5.00%

5.00-0.05%2
Micro Business MaxEarnings Checking $25 $0.01 - $5,000.00

$5,000.01 or more
4.89%

0.05%
5.00%

5.00-0.05%2

Money Market Accounts1

Account   Balance Requirement Interest Rate APY1
Personal Money Market   $2,500.00 - $99,999.99

$100,000.00 - $249,999.00

$250,000.00 - $999,999.99

$1,000,000.00 - $4,999,999.99

$5,000,000.00 or more
 
0.05%

0.10%

0.15%

0.30%

0.45%
 
0.05%

0.10%

0.15%

0.30%

0.45%
 
Personal Relationship Money Market   $2,500.00 - $99,999.99

$100,000.00 - $249,999.99

$250,000.00 - $999,999.99

$1,000,000.00 - $4,999,999.99

$5,000,000.00 or more
 
0.50%

0.65%

1.07%

1.29%

2.11%
 
0.50%

0.65%

1.08%

1.30%

2.13%
 
Business Money Market   $2,500.00 - $99,999.99

$100,000.00 - $249,999.99

$250,000.00 - $999,999.99

$1,000,000.00 - $4,999,999.99

$5,000,000.00 or more
 
0.05%

0.50%

0.75%

1.44%

2.11%
0.05%

0.50%

0.75%

1.45%

2.13%
Business Relationship Money Market   $2,500.00 - $99,999.99
 
0.25%
 
0.25%
 
$100,000.00 - $249,999.99 0.60% 0.60%
$250,000.00 - $499,999.99 1.00%
1.00%
 
$1,000,000.00 - $4,999,999.99

$5,000,000.00 or more
2.47%

3.44%
2.50%

3.50%

Savings Accounts1

Account Minimum Opening Deposit Balance Requirement Interest Rate APY1
Everyday Saver $25 $0.01 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 or more
0.05%

0.15%

0.20%
0.05%

0.15%

0.20%
MaxEarnings Saver $25 $0.01 - $24,999.99

$25,000 or more
0.20%

0.05%
0.20%

0.20 - 0.08%3
Anytime Savers Club $10 no minimum 0.03% 0.03%
Student Saver $25 no minimum 0.05% 0.05%
Business Savings $100 $0.01 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 or more
0.05%
0.15%
0.20%
0.05%
0.15%
0.20%

Certificates of Deposit4

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

Term Minimum Opening Deposit Interest Rate APY1
3 Months $1,000 0.15% 0.15%
6 Months $1,000 0.25% 0.25%
9 Months $1,000 0.35% 0.35%
12 Months $1,000 0.45% 0.45%
18 Months $1,000 0.50% 0.50%
24 Months $1,000 0.55% 0.55%
36 Months $1,000 0.60% 0.60%
48 Months $1,000 0.75% 0.75%
60 Months $1,000 1.00% 1.00%

Individual Retirement Accounts4

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

Term Minimum Opening Deposit Interest Rate APY1
12 Months $1,000 0.45% 0.45%
24 Months $1,000 0.50% 0.50%
48 Months $1,000 0.75% 0.75%
60 Months $1,000 1.00% 1.00%

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 12.14.2024. You may contact any branch location to obtain the most current rate and APY information. Fees may reduce earnings.

(2) Balances over $5,000 earn 0.05% interest rate on the portion of the balance over $5,000, resulting in a range from 5.00% to 0.05% APY depending on the balance. This range assumes a $5,000.01 - $110,000 account balance, although higher balances are accepted.

(3) Balances over $25,000 earn 0.05% interest rate on the portion of balance over $25,000, resulting in a range from 0.20% - 0.08% APY, depending on the balance. This range assumes a $25,000.01 - $110,000 account balance, although higher balances are accepted.

(4) Annual Percentage Yields (APYs) and interest rates are accurate as of 12.14.2024. 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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