What are the current interest rates at Peoples Bank of Moniteau County?

Current rates for Peoples Bank of Moniteau County include: 12-Month CD: 3.65%, 18-Month CD: 1.05%, 24-Month CD: 1.10%, 36-Month CD: 1.30%, 48-Month CD: 1.40%, 60-Month CD: 1.50%, Savings: 0.40%

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Peoples Bank of Moniteau County

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Peoples Bank of Moniteau County Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples Bank of Moniteau County 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 and Verified: October 7, 2026

Peoples Bank of Moniteau County's top rates as of October 7, 2026 are 3.75% APY on its 182 Day CD or IRA, 0.40% APY on savings, and 0.65% APY on checking, according to rates verified by MonitorBankRates. Other Peoples Bank of Moniteau County CD rates include 12-Month CD or IRA at 3.65%, 30-Month CD or IRA at 3.25%, and 60-Month CD or IRA at 1.50%. MonitorBankRates evaluates the financial stability of Peoples Bank of Moniteau County with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.29%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.29%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Peoples Bank of Moniteau County

105 W Row St
Jamestown, MO 65046

https://secure.pbomc.com/

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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 of Moniteau County CD Rates

Product	Rate	APY	Term
182 Day CD or IRA	3.72%	3.75%	182 Day
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
12 Month CD or IRA	3.62%	3.65%	12 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
30 Month CD or IRA	3.22%	3.25%	30 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
60 Month CD or IRA	1.49%	1.50%	60 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
48 Month CD or IRA	1.40%	1.40%	48 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
36 Month CD or IRA	1.29%	1.30%	36 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
24 Month CD or IRA	1.09%	1.10%	24 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
18 Month CD or IRA	1.05%	1.05%	18 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
15 Month CD or IRA	1.00%	1.00%	15 Month
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
91 Day CD or IRA	0.65%	0.65%	91 Day
Min Deposit $500 Details APY assumes that interest remains on deposit until maturity. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Peoples Bank of Moniteau County Savings Rates

Product	Rate	APY	View More
Passbook Savings	0.40%	0.40%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Peoples Bank of Moniteau County Checking Rates

Product	Rate	APY	View More
HSA Checking	0.65%	0.65%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Peoples Bank of Moniteau County Other Rates

Product	Rate	Points	APY/APR
MMDA	0.45%	-	0.45%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $10,000.00 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
MMDA	0.50%	-	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
MMDA	1.00%	-	1.00%
Min Deposit $25,000 Min Balance $25,000 Details Balance: OVER $25,000.00 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
NOW Account	0.35%	-	0.35%
Last Updated 10/07/2026 Rate History No change since Sep 7, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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 of Moniteau County’s Texas Ratio fell from 10.60% in Q3 2023 to 4.29% 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 5.0 to 5.0 and its Health Grade from A to A+. 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.

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)

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	$83M	4.29%	5.0	A+
March 31, 2026	$84M	4.52%	5.0	A+
December 31, 2025	$80M	4.81%	5.0	A+
September 30, 2025	$82M	5.13%	5.0	A+
June 30, 2025	$81M	5.53%	5.0	A+
March 31, 2025	$80M	5.89%	5.0	A+
December 31, 2024	$75M	6.63%	5.0	A
September 30, 2024	$72M	6.63%	5.0	A
June 30, 2024	$73M	7.61%	5.0	A
March 31, 2024	$72M	8.21%	5.0	A
December 31, 2023	$70M	9.68%	5.0	A
September 30, 2023	$68M	10.60%	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 of Moniteau County 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 of Moniteau County 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 of Moniteau County's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peoples Bank of Moniteau County

Bank Holding Company JAMESTOWN BANCSHARES INC

Address 105 W Row St, Jamestown, MO 65046 · Moniteau

Website https://secure.pbomc.com/

FDIC Certificate # 15792

Established 19410113

FDIC Insurance Date 19410113

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3760%

Return on Equity (ROE) 13.7900%

Non-Performing Loans (NPL) 0.44%

Total Assets $83,160,000

Total Deposits $73,320,000

Equity Capital $8,465,000

Net Income $568,000

Headquarters Jamestown

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Peoples Bank of Moniteau County earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Peoples Bank of Moniteau County

How many branches does Peoples Bank of Moniteau County operate?

Peoples Bank of Moniteau County currently maintains approximately 2 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 of Moniteau County 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 of Moniteau County provides members with tools to manage their accounts and build a solid financial history.

Does Peoples Bank of Moniteau County offer online and mobile banking?

Most modern institutions like Peoples Bank of Moniteau County 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://secure.pbomc.com/.