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Peoples Bank (WA) Rates & Review November 2026
Content reviewed by
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
Finance Calculators
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.
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
Peoples Bank (WA)'s 60-Month Personal CD rates are at 2.30%, 24-Month Personal CD rates are at 2.20%, 18-Month Personal CD rates are at 2.15%, 12-Month Personal CD rates are at 2.05%, 36-Month Personal CD rates are at 2.00%. Peoples Bank (WA)'s savings rates are at 5.50%. Peoples Bank (WA)'s money market rates are at 2.20%. Peoples Bank (WA)'s checking rates are as high as 0.03%. Peoples Bank (WA)'s top CD rate of 3.75% APY on a 13 month CD is 24% 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 Peoples Bank (WA) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.88%. Rates last updated and verified on 11/05/2026.
Peoples Bank (WA) 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 Peoples Bank (WA)? Share your experience about Peoples Bank (WA) by leaving a review below, or read customer reviews before you decide to use Peoples Bank (WA).
Peoples Bank (WA) has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Peoples Bank (WA) has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.88%
ExcellentLower than avg
Peoples Bank (WA) Texas Ratio
Peoples Bank (WA)'s Texas Ratio is 0.88%, which is considered excellent and is lower than the national average of 5.85%.
Peoples Bank (WA) has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.36% to 0.88% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Peoples Bank (WA) CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD Special - 13-Month Fixed Rate
-
3.75%
13-Month
$1,000
Min Deposit$1,000
Min Balance$0
DetailsPeoples Bank Branches Only; Not available for accounts opened online; Requires active Peoples Bank Checking Account; APY effective for accounts opened on or after 10/01/2026; At maturity renews to 12-month fixed rate term
Last Updated11/05/2026
Rate History
No change since Oct 31, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD Special - 7-Month Fixed Rate
-
3.60%
7-Month
$1,000
Min Deposit$1,000
Min Balance$0
DetailsPeoples Bank Branches Only; Not available for accounts opened online; Requires active Peoples Bank Checking Account; APY effective for accounts opened on or after 10/01/2026; At maturity renews to 6-month fixed rate term
Last Updated11/05/2026
Rate History
No change since Oct 31, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
60-Month Personal CD
2.27%
2.30%
60 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
60-Month Personal CD
2.27%
2.30%
60 months
$500
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
60-Month Personal CD
2.27%
2.30%
60 months
$500
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD IRA - 60-month
2.27%
2.30%
60 months
-
DetailsLast Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
24-Month Personal CD
2.18%
2.20%
24 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
24-Month Personal CD
2.18%
2.20%
24 months
$500
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
24-Month Personal CD
2.18%
2.20%
24 months
$500
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD IRA - 24-month
2.18%
2.20%
24 months
-
DetailsLast Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
18-Month Personal CD
2.13%
2.15%
18 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
18-Month Personal CD
2.13%
2.15%
18 months
$500
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
18-Month Personal CD
2.13%
2.15%
18 months
$500
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD IRA - 18-month
2.13%
2.15%
18 months
-
DetailsLast Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
12-Month Personal CD
2.03%
2.05%
12 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
12-Month Personal CD
2.03%
2.05%
12 months
$500
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
12-Month Personal CD
2.03%
2.05%
12 months
$500
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD IRA - 12-month
2.03%
2.05%
12 months
-
DetailsLast Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
36-Month Personal CD
1.98%
2.00%
36 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
36-Month Personal CD
1.98%
2.00%
36 months
$500
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
36-Month Personal CD
1.98%
2.00%
36 months
$500
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
6-Month Personal CD
1.98%
2.00%
6 months
$500
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
6-Month Personal CD
1.98%
2.00%
6 months
$500
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
6-Month Personal CD
1.98%
2.00%
6 months
$500
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD IRA - 36-month
1.98%
2.00%
36 months
-
DetailsLast Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
CD IRA - 6-month
1.98%
2.00%
6 months
-
DetailsLast Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
12-Month Great Beginnings CD
1.78%
1.80%
12 months
$100
Min Deposit$100
DetailsLast Updated On: October 1, 2026; Fixed interest rates tiered based on balance
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 1.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Peoples Bank (WA) Savings Rates
Product
Rate
APY
View More
Youth Savings
-
5.50%
Min Deposit$50
Min Balance$0
DetailsBalance: up to $1,000; Designed for children and teens under 19; no monthly fees; no minimum balance
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 5.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal Savings
0.10%
0.10%
Min Deposit$50
Min Balance$0
DetailsBalance: All Balances; Last Updated On: October 1, 2026; no minimum to earn interest
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Youth Savings - Portion
0.10%
0.10%
Min Deposit$50
Min Balance$1,000
Details$1,000; Balance: $1,000.01 and over; Fees could reduce earnings
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Health Savings Account
0.05%
0.05%
Min Deposit$50
DetailsBalance: All Balances; Service fee of $3.00 assessed each month; Last Updated On: October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Peoples Bank (WA) Money Market Rates
Product
Rate
APY
View More
Peoples IRA Money Market
0.10%
0.10%
Min Deposit$50
Min Balance$100,000
DetailsBalance: $100,000+; Interest Rate and APY shown
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Peoples IRA Money Market
0.05%
0.05%
Min Deposit$50
Min Balance$0
DetailsBalance: less than $25,000; Interest Rate and APY shown
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Peoples Bank (WA) Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
2.18%
2.20%
Min Balance$500,000
Details$500,000 +; Balance: $500,000 and over; Fees could reduce earnings
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 2.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Business ICS Money Market
1.93%
1.95%
Min Balance$500,000
DetailsBalance: $500,000 +; Rate only applicable to funds currently placed in the IntraFi Network
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 1.95% APY · checked 5 times
No change since Oct 22, 2026 · 0.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Business ICS Money Market
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999; Rate only applicable to funds currently placed in the IntraFi Network
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.45% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Business Money Market
0.20%
0.20%
Min Balance$0
Details$25,000; Balance: less than $25,000; Fees could reduce earnings
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Business ICS Money Market
0.01%
0.01%
DetailsBalance: less than $25,000; Rate only applicable to funds currently placed in the IntraFi Network
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Peoples Bank (WA) Checking Rates
Product
Rate
APY
View More
Personal Relationship Checking
0.03%
0.03%
Min Deposit$50
Min Balance$0
DetailsBalance: All Balances; Term column: All Balances; There is no minimum to earn interest; Last Updated On: October 1, 2026; APY is current as of the effective date; Rates are variable and subject to change after account opening
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Peoples Bank (WA) Other Rates
Product
Rate
Points
APY/APR
Term
View More
EquityOne Fixed Rate Option
-
-
7.87%
36 months
DetailsFixed rate option on EquityOne Line of Credit; Last Updated On: November 2, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 7.99% → 7.87% ▼ 0.12 pts · high 7.99% / low 7.87%
Nov 5, 20267.87%▼ from 7.99%
Oct 22, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
7.91%
60 months
DetailsFixed rate option on EquityOne Line of Credit; Last Updated On: November 2, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 8.05% → 7.91% ▼ 0.14 pts · high 8.05% / low 7.91%
Nov 5, 20267.91%▼ from 8.05%
Oct 22, 20268.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
8.17%
84 months
DetailsFixed rate option on EquityOne Line of Credit; Last Updated On: November 2, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 8.24% → 8.17% ▼ 0.07 pts · high 8.24% / low 8.17%
Nov 5, 20268.17%▼ from 8.24%
Oct 22, 20268.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
8.30%
120 months
DetailsFixed rate option on EquityOne Line of Credit; Last Updated On: November 2, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 8.35% → 8.30% ▼ 0.05 pts · high 8.35% / low 8.30%
Nov 5, 20268.30%▼ from 8.35%
Oct 22, 20268.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
8.64%
180 months
DetailsFixed rate option on EquityOne Line of Credit; Last Updated On: November 2, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 8.71% → 8.64% ▼ 0.07 pts · high 8.71% / low 8.64%
Nov 5, 20268.64%▼ from 8.71%
Oct 22, 20268.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
8.90%
240 months
DetailsFixed rate option on EquityOne Line of Credit; Last Updated On: November 2, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 8.87% → 8.90% ▲ 0.03 pts · high 8.90% / low 8.87%
Nov 5, 20268.90%▲ from 8.87%
Oct 22, 20268.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
8.87%
36 months
DetailsSection: EquityOne Line of Credit - Rental & Investment Property; APR*
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 8.99% → 8.87% ▼ 0.12 pts · high 8.99% / low 8.87%
Nov 5, 20268.87%▼ from 8.99%
Oct 22, 20268.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
8.91%
60 months
DetailsSection: EquityOne Line of Credit - Rental & Investment Property; APR*
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 9.05% → 8.91% ▼ 0.14 pts · high 9.05% / low 8.91%
Nov 5, 20268.91%▼ from 9.05%
Oct 22, 20269.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
9.17%
84 months
DetailsSection: EquityOne Line of Credit - Rental & Investment Property; APR*
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 9.24% → 9.17% ▼ 0.07 pts · high 9.24% / low 9.17%
Nov 5, 20269.17%▼ from 9.24%
Oct 22, 20269.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
9.30%
120 months
DetailsSection: EquityOne Line of Credit - Rental & Investment Property; APR*
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 9.35% → 9.30% ▼ 0.05 pts · high 9.35% / low 9.30%
Nov 5, 20269.30%▼ from 9.35%
Oct 22, 20269.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
EquityOne Fixed Rate Option
-
-
9.64%
180 months
DetailsSection: EquityOne Line of Credit - Rental & Investment Property; APR*
Last Updated11/05/2026
Rate History
1 change since Oct 22, 2026 · 9.71% → 9.64% ▼ 0.07 pts · high 9.71% / low 9.64%
Nov 5, 20269.64%▼ from 9.71%
Oct 22, 20269.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Business DDA Sweep
0.10%
-
0.10%
Min Balance$0
Details$25,000; Balance: less than $25,000; Minimum balance required to obtain APY
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Business DDA Sweep
0.85%
-
0.85%
Min Balance$500,000
Details$500,000 +; Balance: $500,000 and over; Minimum balance required to obtain APY
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal CD - 12 months
2.03%
-
2.05%
12 months
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000; Rates tiered by balance; Minimum to open $500; Interest rate and APY as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal CD - 18 months
2.13%
-
2.15%
18 months
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000; Rates tiered by balance; Minimum to open $500; Interest rate and APY as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal CD - 24 months
2.18%
-
2.20%
24 months
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000; Rates tiered by balance; Minimum to open $500; Interest rate and APY as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal CD - 36 months
1.98%
-
2.00%
36 months
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000; Rates tiered by balance; Minimum to open $500; Interest rate and APY as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal CD - 6 months
1.98%
-
2.00%
6 months
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000; Rates tiered by balance; Minimum to open $500; Interest rate and APY as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Personal CD - 60 months
2.27%
-
2.30%
60 months
Min Deposit$500
Min Balance$0
DetailsBalance: Less than $25,000; Rates tiered by balance; Minimum to open $500; Interest rate and APY as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.88%
Financial Health History
Peoples Bank (WA)’s Texas Ratio rose from 0.36% in Q3 2023 to 0.88% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$2.4B
0.88%
5.0
A+
March 31, 2026
$2.5B
0.76%
5.0
A+
December 31, 2025
$2.5B
0.71%
5.0
A+
September 30, 2025
$2.5B
0.71%
5.0
A+
June 30, 2025
$2.4B
0.96%
5.0
A+
March 31, 2025
$2.4B
0.91%
5.0
A+
December 31, 2024
$2.5B
0.89%
5.0
A+
September 30, 2024
$2.4B
0.98%
5.0
A+
June 30, 2024
$2.4B
1.05%
5.0
A+
March 31, 2024
$2.4B
1.18%
5.0
A+
December 31, 2023
$2.4B
0.48%
5.0
A+
September 30, 2023
$2.4B
0.36%
5.0
A+
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 Peoples Bank (WA) 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 Peoples Bank (WA) 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 Peoples Bank (WA)'s official website for the most current offers and terms.
Address
3100 Woburn St,
Bellingham, WA 98226 · Whatcom
Bank Holding CompanyPEOPLES BCORP
FDIC Certificate #6158
RegulatorFDIC
EstablishedJanuary 7, 1921
FDIC Insurance DateJanuary 1, 1934
Domestic Offices23
Total Branches23
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.88%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9579%
Return on Equity (ROE)
7.4400%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
$2,418,341,000
Total Deposits
$2,080,686,000
Equity Capital
$322,460,000
Net Income
$11,808,000
Headquarters
Bellingham
Total Branches and Offices
23
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Peoples Bank (WA) 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Peoples Bank (WA)
Does Peoples Bank (WA) offer CDs?
Yes. Peoples Bank (WA) current CD rates include its 60-Month Personal CD at 2.30% APY, its 24-Month Personal CD at 2.20% APY and its 18-Month Personal CD at 2.15% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Peoples Bank (WA) FDIC insured?
Yes. Peoples Bank (WA) 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 Peoples Bank (WA)?
The highest Peoples Bank (WA) CD rate is its CD Special - 13-Month Fixed Rate at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Peoples Bank (WA) offer?
Peoples Bank (WA) CD rates are 2.05% APY for a 12 month CD, 2.15% APY for an 18 month CD, 2.20% APY for a 2 year CD, 2.00% APY for a 3 year CD and 2.30% APY for a 5 year 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 Peoples Bank (WA) for its full lineup.
What is the highest savings rate at Peoples Bank (WA)?
The highest Peoples Bank (WA) savings rate is its Youth Savings at 5.50% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Peoples Bank (WA)?
The highest Peoples Bank (WA) money market rate is its Business Money Market at 2.20% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Peoples Bank (WA)?
The highest Peoples Bank (WA) checking rate is its Personal Relationship Checking at 0.03% APY, verified by MonitorBankRates as of November 5, 2026.
How many branches does Peoples Bank (WA) operate?
Peoples Bank (WA) currently maintains approximately 23 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, Peoples Bank (WA) 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, Peoples Bank (WA) provides members with tools to manage their accounts and build a solid financial history.
Does Peoples Bank (WA) offer online and mobile banking?
Most modern institutions like Peoples Bank (WA) 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.peoplesbank-wa.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 Peoples Bank (WA) rates compare?
Peoples Bank (WA)'s top CD rate of 3.75% APY on a 13 month CD is 24% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Peoples Bank (WA)'s top rates are its CD Special - 13-Month Fixed Rate at 3.75% APY, its Youth Savings at 5.50% APY, its Business Money Market at 2.20% APY and its Personal Relationship Checking at 0.03% APY, verified by MonitorBankRates on November 5, 2026.
Current Peoples Bank (WA) Rates
12-Month CD1.80%
18-Month CD2.15%
24-Month CD2.20%
36-Month CD2.00%
60-Month CD2.30%
Savings5.50%
MMA2.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
