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CDs & IRAs

Our rates outpace the competition.

Take the risk out of investing with a Peoples Bank Co. Certificate of Deposit (CD). We offer competitive rates and all deposit accounts are FDIC insured. To help you plan for the future you want, we offer practical IRA options.  

9 Month Special Rate is 4.85% – APY 4.94%

21 Month Special Rate is 3.75% – APY 3.80%

Minimum deposit $5,000.

IRA (Individual Retirement Account) vs. a Roth IRA

In an IRA your contributions are tax deductible while your withdraws are subject to taxes.

In a Roth IRA your contributions are post-tax while your withdraws will be tax free with the stipulation you do not withdraw till you are a certain (retirement) age.

  • Complete line of IRA options including ROTH and Coverdell (education) IRAs and SEPs.
  • IRA contributions may be tax deductible depending upon your income
  • Tax-deferred or tax-free interest makes your money grow much faster!
  • Flexible deposit options allow you to decide if you want to deposit a little each week, each month, etc.
  • Flexible investment options make it easy for you to achieve your retirement goals.

Check out our great rates!

CD/IRA Terms

Minimum Deposit to Open Account & Obtain APY

Interest Rate $500 to $4,999.99

Annual Percentage Yield $500 to $4,999.99

Interest Rate $5,000 or greater deposit

Annual Percentage Yield $5,000 or greater deposit

12 Month

$500

4.40%

4.47%

4.65%

4.73%

18 Month

$500

1.20%

1.21%

1.45%

1.46%

24 Month

$500

1.75%

1.76%

2.00%

2.02%

30 Month

$500

0.65%

0.65%

0.90%

0.90%

36 Month

$500

2.00%

2.02%

2.25%

2.27%

48 Month

$500

2.15%

2.17%

2.40%

2.42%

60 Month

$500

2.35%

2.37%

2.60%

2.63%

18 Mth Fixed IRA

$25

1.20%

1.21 %

1.45%

1.46%

18 Mth Variable IRA

$25

5.29%

5.40%

5.29%

5.40%

Effective January 24, 2024








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