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APY = Annual Percentage Yield. Rates effective as of 07/28/2020. Fees may reduce earnings.


Cha-CHING Ca$h* Learn More

Balance Minimum Deposit to Open Rate APY
$0 - $10,000 $100 1.99% 2.01%
$10,000.01+ $100 0.15% 2.01% to 0.32%
All balances if qualifications not met $100 0.01% 0.01%

Rate may change after account is opened. To earn your rewards, simply do the following activities and transactions in your Cha-CHING Ca$h account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 automatic payment (ACH auto debit or bill pay) post and settle

Cha-CHING $aver* Learn More

Balance Minimum Deposit to Open Rate APY
$0 - $10,000 $100 0.40% 0.40%
$10,000.01+ $100 0.15% 0.40 to 0.17%
All balances if qualifications not met $100 0.01% 0.01%

Rate may change after account is opened. To earn your rewards, simply do the following activities and transactions in your Cha-CHING Ca$h or Cha-CHING Ca$h Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 automatic payment (ACH auto debit or bill pay) post and settle

Certificates of Deposit (CDs) Specials Learn More

Term Balance APY
13 Month $500+ 0.24%
25 Month $500+ 0.39%
36 Month Trade-Up^ $500+ 0.25%
48 Month Trade-Up^ $500+ 0.35%
60 Month Trade-Up^ $500+ 0.45%
10 Month 3 in 1* $500 - $9,999.99 0.10%
10 Month 3 in 1* $10,000 - $24,999.99 0.15%
10 Month 3 in 1* $25,000+ 0.20%

Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Minimum deposit to open and obtain the APY is $500. Consumer and Business funds only. Institutional and public funds not accepted. Available at all Peoples National Bank locations.

^Trade Up option available one-time during the initial term. Trade Up option is based upon the published rate for the remaining term of the original CD excluding specials.

*With the 3 in 1 CD, you may 1) add funds at any time 2) make penalty-free withdrawals and 3) your yield increases as your balance builds

Rate may change after the account is opened.

A penalty may be imposed for early withdrawal.

Certificates of Deposit (Balance: $500 - $9,999.99) Learn More

Term APY
1 - 2 Months 0.03%
3 - 5 Months 0.03%
6 - 11 Months 0.14%
12 - 17 Months 0.15%
18 - 23 Months 0.18%
24 - 35 Months 0.32%
36 - 47 Months 0.52%
48 - 59 Months 0.66%
60+ Months 0.81%

Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Minimum deposit to open and obtain the APY is $500. Consumer and Business funds only. Institutional and public funds not accepted. Available at all Peoples National Bank locations.

Rate may change after the account is opened.

A penalty may be imposed for early withdrawal.

Certificates of Deposit (Balance: $10,000 - $99,999.99) Learn More

Term APY
1 - 2 Months 0.06%
3 - 5 Months 0.12%
6 - 11 Months 0.21%
12 - 17 Months 0.21%
18 - 23 Months 0.22%
24 - 35 Months 0.42%
36 - 47 Months 0.66%
48 - 59 Months 0.87%
60+ Months 1.06%

Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Minimum deposit to open and obtain the APY is $500. Consumer and Business funds only. Institutional and public funds not accepted. Available at all Peoples National Bank locations.

Rate may change after the account is opened.

A penalty may be imposed for early withdrawal.

Certificates of Deposit (Balance: $100,000+) Learn More

Term APY
1 - 2 Months 0.11%
3 - 5 Months 0.13%
6 - 11 Months 0.25%
12 - 17 Months 0.27%
18 - 23 Months 0.27%
24 - 35 Months 0.52%
36 - 47 Months 0.76%
48 - 59 Months 0.96%
60+ Months 1.17%

Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Minimum deposit to open and obtain the APY is $500. Consumer and Business funds only. Institutional and public funds not accepted. Available at all Peoples National Bank locations.

Rate may change after the account is opened.

A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (IRAs) Learn More

Term APY
12 Month 0.16%
13 Month Special 0.24%
18 Month 0.21%
18 Month Variable 0.27%
24 Month 0.65%
25 Month Special 0.39%
48 Month 0.86%
60 Month 1.06%

Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum Balance to open and obtain APY is $100.00.

Savings Accounts

Account Minimum Balance Required to Open APY
Statement Savings $100 0.02%
Little Peoples Savings $1 0.02%
Christmas Saver $5 0.02%

Annual Percentage Yields (APYs) and rates may change after account is opened. APYs based on Monthly Compounding. Fees may reduce earnings. Earn interest on all balances.

Peoples Prime 50 Checking Learn More

Balance Minimum Deposit Required to Open APY
$500-$9,999.99 $100 0.02%
$10,000+ $100 0.03%

Annual percentage Yields (APYs) and rates may change after account is opened. APYs based on Monthly Compounding. Fees may reduce earnings.

Peoples Select Checking Learn More

Balance Minimum Deposit Required to Open APY
$1,000 - $9,999.99 $100 0.05%
$10,000 - $24,999.99 $100 0.05%
$25,000 - $49,999.99 $100 0.05%
$50,000+ $100 0.05%

Annual percentage Yields (APYs) and rates may change after account is opened. APYs based on Monthly Compounding. Fees may reduce earnings.

Preferred Money Market Learn More

Balance Minimum Deposit Required to Open APY
$1,000 - $9,999.99 $1,000 0.01%
$10,000 - $24,999.99 $1,000 0.02%
$25,000+ $1,000 0.03%

Annual percentage Yields (APYs) and rates may change after account is opened. APYs based on Monthly Compounding. Fees may reduce earnings.

Health Savings Account (Checking) Learn More

Balance Minimum Deposit Required to Open APY
$0.00 - $999.99 $1,000 0.05%
$1,000 - $9,999.99 $1,000 0.15%
$10,000+ $1,000 0.35%

Annual percentage Yields (APYs) and rates may change after account is opened. APYs based on Monthly Compounding. Fees may reduce earnings.

Health Savings Account (CDs) Learn More

Term Minimum Deposit Required to Open Rate APY
12 Months $500 0.15% 0.15%

Here, the Golden Rule still applies.