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Peoples Bank (WA)

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Peoples Bank (WA) Rates & Review May 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

Peoples Bank (WA)'s 15-Month Fixed Rate CD Special rates are at 3.40%, 7-Month Fixed Rate CD Special rates are at 3.40%. 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 0.39%. Rates were last updated on 05/04/2026.

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).

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.39%

Excellent Lower than avg

Peoples Bank (WA)

3100 Woburn St
Bellingham, WA 98226

https://www.peoplesbank-wa.com

Peoples Bank (WA) CD Rates

Product	Rate	APY	Term
15-Month Fixed Rate CD Special	-	3.40%	15
Min Deposit $1,000 Details Requires a $1,000 minimum deposit. There is no minimum to earn interest. The APY assumes interest will remain on deposit until maturity. At maturity, the 15-month certificate will renew into a 12-month fixed rate term at the current rate and the 7-month certificate will renew to a 6-month fixed rate term at the current rate. An active Peoples Bank Checking Account is required. Offer is available for personal and business accounts at all Peoples Bank Branches and cannot be combined with any other offer. Not available for accounts opened online. A withdrawal will reduce earnings and a penalty may be charged for early withdrawal. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.39%
7-Month Fixed Rate CD Special	-	3.40%	7
Min Deposit $1,000 Details Requires a $1,000 minimum deposit. There is no minimum to earn interest. The APY assumes interest will remain on deposit until maturity. At maturity, the 7-month certificate will renew to a 6-month fixed rate term at the current rate. An active Peoples Bank Checking Account is required. Offer is available for personal and business accounts at all Peoples Bank Branches and cannot be combined with any other offer. Not available for accounts opened online. A withdrawal will reduce earnings and a penalty may be charged for early withdrawal. Last Updated 05/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.39%

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.
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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.

Bank Profile & Overview

Institution Name Peoples Bank (WA)

Bank Holding Company PEOPLES BCORP

Address 3100 Woburn St, Bellingham, WA 98226 · Whatcom

Website https://www.peoplesbank-wa.com

FDIC Certificate # 6158

Established 01/07/1921

FDIC Insurance Date 01/01/1934

Domestic Offices 23

Total Branches 23

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.39%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0476%

Return on Equity (ROE) 9.8100%

Non-Performing Loans (NPL) 0.04%

Total Assets $2,464,280,000

Total Deposits $2,132,934,000

Equity Capital $314,011,000

Net Income $24,480,000

Headquarters Bellingham

Total Offices 23

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Peoples Bank (WA)

Is Peoples Bank (WA) a safe place to deposit money?

Yes, Peoples Bank (WA) is considered a safe financial institution. With a Texas Ratio of 0.39492492005718%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.