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Peapack-Gladstone Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Peapack-Gladstone Bank's Personal CD - 9-Month rates are at 3.25%, IRA 13-Month Promo rates are at 4.30%, Personal CD - 13-Month Promo rates are at 4.30%, IRA 9-Month CD rates are at 3.25%. Peapack-Gladstone Bank's money market rates are at 1.40%. Peapack-Gladstone Bank's 30 Year Fixed-Affordable Housing rates are at 6.00%. Peapack-Gladstone Bank's top CD rate of 4.30% APY on a 13 month CD is 43% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Peapack-Gladstone Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.32%. Rates last updated and verified on 11/05/2026.

Peapack-Gladstone Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Peapack-Gladstone Bank? Share your experience about Peapack-Gladstone Bank by leaving a review below, or read customer reviews before you decide to use Peapack-Gladstone Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.32%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Peapack-Gladstone Bank
500 Hills Drive Suite 300
Bedminster, NJ 07921
https://www.pgbank.com
MemberFDIC
Customer Reviews
5.0 ★ 1 review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Peapack-Gladstone Bank CD Rates

Product Rate APY Term Min. Deposit View More
IRA 13-Month Promo 4.22% 4.30% 13 Month $25,000
Min Deposit $25,000
Details Interest paid monthly; Minimum opening deposit of $25,000.00 in new money; Consumer customers only; Requires eligible Peapack Private consumer checking account with direct deposit established within 90 days; Maximum opening amount $15,000,000.00; 13 Month Specials rolls into 12 month IRA CD
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%
Personal CD - 13-Month Promo 4.23% 4.30% 13 Month $25,000
Min Deposit $25,000
Details Interest paid: Quarterly; Consumer customers only; Requires minimum opening deposit of $25,000.00 in new money; Maximum amount permitted $15,000,000.00; Requires eligible Peapack Private consumer checking account with direct deposit established within 90 days after opening, otherwise rate and APY adjusted one time to the Bank's standard 12-month CD rate and APY; A penalty may be imposed for early withdrawal; APYs accurate as of 10/15/26
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%
IRA 9-Month CD 3.205% 3.25% 9 Month $500
Min Deposit $500
Details Interest paid monthly; New money only; 9 Month CD/IRA CD converts to a 182 day CD/IRA CD at maturity
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%
Personal CD - 9-Month 3.205% 3.25% 9 Month $500
Min Deposit $500
Details New money only; Interest paid: Monthly; 9 Month rolls into 182 day CD; A penalty may be imposed for early withdrawal; APYs accurate as of 10/15/26
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%

Peapack-Gladstone Bank Money Market Rates

Product Rate APY View More
Premium Tiered Money Market 1.391% 1.40%
Min Deposit $100
Min Balance $500,000
Details Balance: $500,000.00 and over; Requires Premium Access Checking; New money only; Consumer accounts only; APY accurate as of 11/13/24
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 1.40% APY · checked 4 times
0.90%1.40%1.90%Oct 22, 2026: 1.40% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%
Premium Tiered Money Market 0.896% 0.90%
Min Deposit $100
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99; Requires Premium Access Checking; New money only; Consumer accounts only; APY accurate as of 11/13/24
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Oct 22, 2026: 0.90% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%

Peapack-Gladstone Bank Mortgage Rates

Product Rate Points APR Term View More
30 Year Fixed-Affordable Housing 6.00% 0 6.115% 360 months
Details Rate Lock Days: 120; Discount: Reduce Interest Rate by 0.500% for properties purchased in 50% Majority-Minority, Low Income, or Moderate Income Census Tracts and Affordable Units purchased through an approved Affordable Housing agency; Rate quoted with $2,500.00 closing cost credit per footnote
Last Updated 11/05/2026
Rate History
No change since Oct 22, 2026 · 6.12% APR · checked 4 times
5.62%6.12%6.62%Oct 22, 2026: 6.12% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.32%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Peapack-Gladstone Bank’s Texas Ratio fell from 10.82% in Q3 2023 to 10.32% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 6% 2.0★ 11% 3.0★ 17% 4.0★ 22% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 10.82% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A- Q4 2024 A Q1 2025 A- Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 10.32% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$8.0B10.32%5.0A
March 31, 2026$7.7B8.69%5.0A
December 31, 2025$7.5B9.30%5.0A
September 30, 2025$7.4B11.72%5.0A
June 30, 2025$7.2B16.32%4.9A-
March 31, 2025$7.1B13.95%5.0A
December 31, 2024$7.0B14.04%5.0A-
September 30, 2024$6.8B11.23%5.0A
June 30, 2024$6.5B11.78%5.0A
March 31, 2024$6.4B10.13%5.0A
December 31, 2023$6.5B8.88%5.0A
September 30, 2023$6.5B10.82%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Peapack-Gladstone Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Peapack-Gladstone Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Peapack-Gladstone Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Peapack-Gladstone Bank
Website https://www.pgbank.com
Address 500 Hills Drive Suite 300, Bedminster, NJ 07921  ·  Somerset
Bank Holding Company PEAPACK-GLADSTONE FINL CORP
FDIC Certificate # 11035
Regulator FED
Established September 21, 1921
FDIC Insurance Date January 1, 1934
Domestic Offices 19
Total Branches 19
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.32%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8385%
Return on Equity (ROE)
9.1800%
Non-Performing Loans Ratio (NPL)
0.90%
Total Assets
$7,963,962,000
Total Deposits
$7,063,985,000
Equity Capital
$700,239,000
Net Income
$32,383,000
Headquarters
Bedminster
Total Branches and Offices
19
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Peapack-Gladstone Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/peapack-gladstone-bank-rates-review-11035">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

George Steidle
★★★★★
October 11, 2026
Top notch service and rates. Best all around bank in NJ. I’ve been a very satisfied client for over 30 years.
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Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About Peapack-Gladstone Bank

Does Peapack-Gladstone Bank offer CDs?

Yes. Peapack-Gladstone Bank current CD rates include its IRA 13-Month Promo CD at 4.30% APY, its Personal CD - 13-Month Promo at 4.30% APY and its Personal CD - 9-Month at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Peapack-Gladstone Bank FDIC insured?

Yes. Peapack-Gladstone Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Peapack-Gladstone Bank?

The highest Peapack-Gladstone Bank CD rate is its IRA 13-Month Promo CD at 4.30% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Peapack-Gladstone Bank offer?

Peapack-Gladstone Bank CD rates are 3.25% APY for a 9 month CD, 4.30% APY for a 12 month CD and 4.30% APY for a 13 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Peapack-Gladstone Bank for its full lineup.

What is the highest money market rate at Peapack-Gladstone Bank?

The highest Peapack-Gladstone Bank money market rate is its Premium Tiered Money Market at 1.40% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Peapack-Gladstone Bank?

The lowest Peapack-Gladstone Bank 30 year fixed mortgage rate is its 30 Year Fixed-Affordable Housing at 6.00%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Peapack-Gladstone Bank operate?

Peapack-Gladstone Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Peapack-Gladstone Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peapack-Gladstone Bank provides members with tools to manage their accounts and build a solid financial history.

Does Peapack-Gladstone Bank offer online and mobile banking?

Most modern institutions like Peapack-Gladstone Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pgbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Peapack-Gladstone Bank rates compare?

Peapack-Gladstone Bank's top CD rate of 4.30% APY on a 13 month CD is 43% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. Peapack-Gladstone Bank's top rates are its IRA 13-Month Promo CD at 4.30% APY, its Premium Tiered Money Market at 1.40% APY and its 30 Year Fixed-Affordable Housing at 6.00%, verified by MonitorBankRates on November 5, 2026.

Current Peapack-Gladstone Bank Rates

  • 12-Month CD4.30%
  • MMA1.40%
Retrieved from our database of financial products. Rates subject to change.

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