# PeoplesBank CD rates

As of October 22, 2026, PeoplesBank's highest tracked CD rate is 3.75% APY on a 10-month promotional CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 0.40% APY.

Canonical page: https://apyledger.com/cd-rates/peoplesbank
Institution: PeoplesBank (FDIC 90213)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:35.000Z (October 22, 2026)
Official source: https://www.bankatpeoples.com/home/personal/bank/savings/personal-rates
Coverage: CD specials (10, 20 and 30 months) and standard CDs from 3 to 60 months with a $1,000 minimum to open. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 3 months | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 6 months | $1,000 | 0.05% | Not ZIP-priced | −4.35% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 9 months | $1,000 | 0.05% | Not ZIP-priced | −4.43% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | promotional | 10 months | $1,000 | 3.75% | Not ZIP-priced | −0.76% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 12 months | $1,000 | 0.10% | Not ZIP-priced | −4.47% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 18 months | $1,000 | 0.15% | Not ZIP-priced | −4.57% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | promotional | 20 months | $1,000 | 3.50% | Not ZIP-priced | −1.27% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 24 months | $1,000 | 0.20% | Not ZIP-priced | −4.67% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | promotional | 30 months | $1,000 | 3.00% | Not ZIP-priced | −1.91% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 36 months | $1,000 | 0.25% | Not ZIP-priced | −4.70% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 48 months | $1,000 | 0.30% | Not ZIP-priced | −4.68% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |
| CD | standard | 60 months | $1,000 | 0.40% | Not ZIP-priced | −4.61% | 2026-10-23T03:02:35.000Z | [Snapshot 929](https://apyledger.com/snapshots/929) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.