All reward and no risk — a business investment you can’t pass up

Get the terms you want with a guaranteed fixed rate to ensure you maintain a healthy bottom line.

Benefits You’ll Love

  • Enjoy investing without the risk
  • Earn competitive interest higher than a regular savings
  • Get interest compounds credited or paid at a frequency you prefer
  • No setup or maintenance fees

1All rates are subject to change at Peoples State Bank's discretion.
21-12 month CDs = 3 months of interest. 24-60 month CDs = 6 months of interest.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

CD Rates 8/27/2024

Term Balance to Earn APY Interest Rate APY

15 Month Special^

$10,000+ 4.17% 4.24%
1 Month $2,500+ 1.00% 1.00%
3 Months $2,500+ 1.15% 1.15%
6 Months $2,500 - $34,999.99 1.40% 1.41%
6 Months $35,000+ 1.50% 1.51%
12 Months $250 - $9,999.99 3.20% 3.24%
12 Months $10,000 - $34,999.99 3.40% 3.44%
12 Months $35,000+ 4.55% 4.63%
24 Months $250 - $9,999.99 3.55% 3.60%
24 Months $10,000 - $34,999.99 3.65% 3.70%
24 Months $35,000+ 4.00% 4.06%
36 Months $250 - $9,999.99 3.55% 3.60%
36 Months $10,000 - $34,999.99 3.65% 3.70%
36 Months $35,000+ 3.75% 3.80%
48 Months $250 - $9,999.99 2.80% 2.83%
48 Months $10,000 - $34,999.99 2.90% 2.93%
48 Months $35,000+ 3.00% 3.03%
60 Months $250 - $9,999.99 3.00% 3.03%
60 Months $10,000 - $34,999.99 3.10% 3.14%
60 Months $35,000+ 3.20% 3.24%

Certificates of Deposit (CDs)

Term Balance to Earn APY Interest Rate APY
       
1 Month $2,500+ 1.00% 1.00%
3 Months $2,500+ 1.15% 1.15%
6 Months $2,500 - $34,999.99 1.40% 1.41%
6 Months $35,000+ 1.50% 1.51%
12 Months $250 - $9,999.99 3.20% 3.24%
12 Months $10,000 - $34,999.99 3.40% 3.44%
12 Months $35,000+ 4.10% 4.16%
24 Months $250 - $9,999.99 3.30% 3.34%
24 Months $10,000 - $34,999.99 3.40% 3.44%
24 Months $35,000+ 3.50% 3.55%
36 Months $250 - $9,999.99 3.30% 3.34%
36 Months $10,000 - $34,999.99 3.40% 3.44%
36 Months $35,000+ 3.50% 3.55%
48 Months $250 - $9,999.99 2.80% 2.83%
48 Months $10,000 - $34,999.99 2.90% 2.93%
48 Months $35,000+ 3.00% 3.03%
60 Months $250 - $9,999.99 3.00% 3.03%
60 Months $10,000 - $34,999.99 3.10% 3.14%
60 Months $35,000+ 3.20% 3.24%

1 month & 3 month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.

Express Checking with Interest

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $999.99 0.00% 0.00%
$1,000 $1,000 - $7,499.99 0.15% 0.00% to 0.13%
$1,000 $7,500 - $49,999.99 0.25% 0.13% to 0.23%
$1,000 $50,000 - $99,999.99 0.35% 0.23% to 0.29%
$1,000 $100,000 - $249,999.99 0.45% 0.29% to 0.39%
$1,000 $250,000+ 0.50% 0.39% to 0.50%

Kasasa Cash*

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$25 $0 - $25,000 4.89% 5.00%
$25 $25,000.01+ 0.50% 5.00% to 1.40%
$25 Qualifications not met 0.01% 0.01%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver*

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$25 $0 - $25,000 1.00% 1.00%
$25 $25,000.01+ 0.50% 1.00% to 0.60%
$25 Qualifications not met 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too.

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Money Market Checking

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $2,499.99 0.00% 0.00%
$1,000 $2,500 -$9,999.99 0.20% 0.20%
$1,000 $10,000 - $24,999.99 0.30% 0.30%
$1,000 $25,000 - $49,999.99 0.40% 0.40%
$1,000 $50,000 - $99,999.99 0.50% 0.50%
$1,000 $100,000+ 0.60% 0.60%

Peoples Preferred Savings

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $999.99 0.00% 0.00%
$1,000 $1,000 - $7,499.99 0.50% 0.50%
$1,000 $7,500 - $49,999.99 0.90% 0.90%
$1,000 $50,000 - $99,999.99 1.20% 1.21%
$1,000 $100,000 - $199,999.99 1.75% 1.75%
$1,000 $200,000 - $499,999.99 2.00% 2.02%
$1,000 $500,000 - $999,999.99 2.75% 2.79%
$1,000 $1,000,000 - $4,999,999.99 3.65% 3.71%
$1,000 $5,000,000+ 3.95% 4.02%

Savings Accounts

Account Minimum Required Opening Deposit Interest Rate APY
Regular Savings $25 0.65% 0.65%
Minor Savings $0 0.65% 0.65%
IRA Savings $25 1.65% 1.66%
HSA Savings ($0 - $19,999.99) $25 1.30% 1.31%
HSA Savings ($20,000+) $25 1.65% 1.66%
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