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Peoples Bank Clive, IA Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 6, 2026

Peoples Bank Clive, IA's 27-Month CD rates are at 4.20%, 10-Month CD rates are at 4.00%. Peoples Bank Clive, IA's savings rates are at 0.05%. Peoples Bank Clive, IA's checking rates are as high as 5.00%. Peoples Bank Clive, IA's top CD rate of 4.20% APY on a 27 month CD is 44% higher than the MonitorBankRates national average of 2.91% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Peoples Bank Clive, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.17%. Rates last updated and verified on 11/06/2026.

Peoples Bank Clive, IA 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 Clive, IA? Share your experience about Peoples Bank Clive, IA by leaving a review below, or read customer reviews before you decide to use Peoples Bank Clive, IA.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.17%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Peoples Bank
12701 University Ave
Clive, IA 50325
https://www.mypeoples.bank
MemberFDIC
Customer Reviews
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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 Clive, IA CD Rates

Product Rate APY Term Min. Deposit View More
27-Month CD - 4.20% 27 months $5,000
Min Deposit $5,000
Min Balance $5,000
Details Customers 19 and under: $1,000 minimum balance to open and to obtain APY; early withdrawal penalty may apply; public funds, brokered and institutional deposits not eligible
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 8, 2026: 4.20% APYSep 14, 2026Nov 9, 2026
  • Oct 8, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.17%
10-Month CD - 4.00% 10 months $5,000
Min Deposit $5,000
Min Balance $5,000
Details Customers 19 and under: $1,000 minimum balance to open and to obtain APY; early withdrawal penalty may apply; public funds, brokered and institutional deposits not eligible
Last Updated 11/06/2026
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.17%

Peoples Bank Clive, IA Savings Rates

Product Rate APY View More
Peoples Savings Account - 0.05%
Min Deposit $100
Min Balance $100
Details Ages 17 & under: $1 minimum to open and no monthly service charge; Ages 18 & older: no monthly service charge with $100 minimum daily balance ($3.00 monthly service charge if not met); APY accurate as of 2/21/2023
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.17%

Peoples Bank Clive, IA Checking Rates

Product Rate APY View More
HYPE Checking - 5.00%
Min Deposit $50
Min Balance $0
Details Qualifications Required; Balance: $0.00 - $25,000.00; Premium interest rate on balances up to $25,000; Avoid low $6 service charge with $2,000 average daily balance or 15+ debit card purchases each statement cycle; Online: Open Account
Last Updated 11/06/2026
Rate History
No change since Nov 6, 2026 · 5.00% APY
4.50%5.00%5.50%Nov 6, 2026: 5.00% APYNov 6, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.17%

Peoples Bank Clive, IA Other Rates

Product Rate Points APY/APR Term View More
GIANT PIGGY BANK 1.985% - 2.00%
Details Balance: $0.00 - $5,000.00; Qualifying balance up to $5,000.00 for 2.00% APY; kids savings account and student banking program in select elementary schools; sticker-book rewards deposit $1.00 after 8 stickers; APY accurate as of 8/17/2022
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.17%
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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Financial Health History

Peoples Bank Clive, IA’s Texas Ratio fell from 4.07% in Q3 2023 to 1.17% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 5.0 and its Health Grade from A- to A+. 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.

0% 1.0★ 1.4% 2.0★ 2.7% 3.0★ 4.1% 4.0★ 5.5% 5.0★ Healthy zone – entire history below the 15% limit 4.07% 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 1.17% 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 Grade
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$530M1.17%5.0A+
March 31, 2026$525M1.46%5.0A+
December 31, 2025$494M1.52%5.0A+
September 30, 2025$495M2.41%5.0A+
June 30, 2025$486M1.29%5.0A+
March 31, 2025$482M1.33%5.0A+
December 31, 2024$474M0.86%5.0A+
September 30, 2024$470M0.82%5.0A+
June 30, 2024$450M0.83%5.0A+
March 31, 2024$453M1.19%5.0A+
December 31, 2023$467M1.77%5.0A+
September 30, 2023$439M4.07%4.4A-
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 Clive, IA 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 Clive, IA 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 Clive, IA's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Peoples Bank Clive, IA
Website https://www.mypeoples.bank
Address 12701 University Ave, Clive, IA 50325  ·  Polk
Bank Holding Company RIGLER INVESTMENT CO
FDIC Certificate # 14692
Regulator FED
Established March 17, 1917
FDIC Insurance Date August 22, 1934
Domestic Offices 8
Total Branches 8
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.17%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1746%
Return on Equity (ROE)
14.1700%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
$529,640,000
Total Deposits
$464,317,000
Equity Capital
$43,253,000
Net Income
$3,031,000
Headquarters
Clive
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Peoples Bank Clive, IA 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/peoples-bank-clive-ia-rates-review-14692">
  <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

There are no reviews for Peoples Bank Clive, IA yet. Feel free to create one below.
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Frequently Asked Questions About Peoples Bank Clive, IA

Does Peoples Bank Clive, IA offer CDs?

Yes. Peoples Bank Clive, IA current CD rates include its 27-Month CD at 4.20% APY and its 10-Month CD at 4.00% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Peoples Bank Clive, IA FDIC insured?

Yes. Peoples Bank Clive, IA 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 Clive, IA?

The highest Peoples Bank Clive, IA CD rate is its 27-Month CD at 4.20% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Peoples Bank Clive, IA offer?

Peoples Bank Clive, IA CD rates are 4.00% APY for a 10 month CD and 4.20% APY for a 27 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Peoples Bank Clive, IA for its full lineup.

What is the highest savings rate at Peoples Bank Clive, IA?

The highest Peoples Bank Clive, IA savings rate is its Peoples Savings Account at 0.05% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Peoples Bank Clive, IA?

The highest Peoples Bank Clive, IA checking rate is its HYPE Checking at 5.00% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Peoples Bank Clive, IA operate?

Peoples Bank Clive, IA currently maintains approximately 8 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 Clive, IA 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 Clive, IA provides members with tools to manage their accounts and build a solid financial history.

Does Peoples Bank Clive, IA offer online and mobile banking?

Most modern institutions like Peoples Bank Clive, IA 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.mypeoples.bank.

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 Clive, IA rates compare?

Peoples Bank Clive, IA's top CD rate of 4.20% APY on a 27 month CD is 44% higher than the MonitorBankRates national average of 2.91% APY for that term, and it has an A+ health rating. Peoples Bank Clive, IA's top rates are its 27-Months 27-Month CD at 4.20% APY, its Peoples Savings Account at 0.05% APY and its HYPE Checking at 5.00% APY, verified by MonitorBankRates on November 6, 2026.

Current Peoples Bank Clive, IA Rates

  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.

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