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 Peoples Credit Union Webster City, IA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: October 29, 2026
Peoples Credit Union Webster City, IA's CD & IRA 60 Month rates are at 2.15%, CD & IRA 36 Month rates are at 1.90%, CD & IRA 24 Month rates are at 1.60%, CD & IRA 18 Month rates are at 1.50%, CD & IRA 12 Month rates are at 1.40%. Peoples Credit Union Webster City, IA's savings rates are at 0.45%. Peoples Credit Union Webster City, IA's checking rates are as high as 2.53%. Peoples Credit Union Webster City, IA's Personal Loan Rates are as low as 9.74%. Peoples Credit Union Webster City, IA's Credit Card Rates are at 11.74%. Peoples Credit Union Webster City, IA's CD rates are 48% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Peoples Credit Union Webster City, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.19%. Rates last updated and verified on 10/29/2026. Peoples Credit Union Webster City, 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 Credit Union Webster City, IA? Share your experience about Peoples Credit Union Webster City, IA by leaving a review below, or read customer reviews before you decide to use Peoples Credit Union Webster City, IA. Peoples Credit Union Webster City, IA
Main Office 310 1st ST
https://www.peoples-credit-union.com/ Webster City, IA 50595-2337  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Peoples Credit Union Webster City, IA CD Rates
Peoples Credit Union Webster City, IA Savings Rates
Peoples Credit Union Webster City, IA Checking Rates
Peoples Credit Union Webster City, IA Auto Loan Rates
Peoples Credit Union Webster City, IA RV, Boat and Powersport Loan Rates
Peoples Credit Union Webster City, IA Credit Card Rates
Peoples Credit Union Webster City, IA Personal Loan Rates
Peoples Credit Union Webster City, IA Other Rates
Financial Health HistoryPeoples Credit Union Webster City, IA’s Texas Ratio fell from 14.05% in Q3 2023 to 12.19% in Q2 2026, so its financial health has improved 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 credit union 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Peoples Credit Union Webster City, IA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Peoples Credit Union Webster City, 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 Credit Union Webster City, IA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Peoples Credit Union Webster City, IA
Address
310 1st ST,
Webster City, IA 50595-2337
Phone
515-832-6346
Fax
515-832-4877
President
Jim Hay
CEO
Jordan Hensley
Full-Time Employees
21
Part-Time Employees
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.19%
Return on Assets (ROA)
0.1088%
Return on Equity (ROE)
1.0294%
Non-Performing Loans Ratio (NPL)
2.16%
Total Assets
91,436,601
Total Amount of Shares and Deposits
80,767,242
Total Shares and Deposits < 1 Year
79,532,328
Total Shares and Deposits 1 3 Years
1,234,914
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,543,311
Total Uninsured Shares and Deposits > $250K (F+J)
7,543,311
Total Insured Shares and Deposits > $250K (item 17 less item K)
73,223,931
Total Interest Expense (Sum of items 6 8)
735,980
Share Certificates
749
Number of Accounts for Share Drafts
3,472
IRA KEOGH Accounts
208
Number of Accounts for Regular Shares
6,459
All other shares
56
Non Member Deposits
1
Money Market Shares
622
Net Income (unless the amount is already included in Undivided Earnings)
99,509
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,957,361
Total Liabilities
81,769,999
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Peoples Credit Union Webster City, IADoes Peoples Credit Union Webster City, IA offer CDs?Yes. Peoples Credit Union Webster City, IA current CD rates include its CD & IRA 60 Month at 2.15% APY, its CD & IRA 36 Month at 1.90% APY and its CD & IRA 24 Month at 1.60% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Peoples Credit Union Webster City, IA NCUA insured?Yes. Peoples Credit Union Webster City, IA is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Peoples Credit Union Webster City, IA?The highest Peoples Credit Union Webster City, IA CD rate is its CD & IRA 60 Month at 2.15% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Peoples Credit Union Webster City, IA offer?Peoples Credit Union Webster City, IA CD rates are 1.40% APY for a 12 month CD, 1.50% APY for an 18 month CD, 1.60% APY for a 2 year CD, 1.90% APY for a 3 year CD and 2.15% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Peoples Credit Union Webster City, IA for its full lineup. What is the highest savings rate at Peoples Credit Union Webster City, IA?The highest Peoples Credit Union Webster City, IA savings rate is its Savings Account at 0.45% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Peoples Credit Union Webster City, IA?The highest Peoples Credit Union Webster City, IA checking rate is its Advantage Checking Account at 2.53% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Peoples Credit Union Webster City, IA?The lowest Peoples Credit Union Webster City, IA auto loan rate is its Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Peoples Credit Union Webster City, IA?The lowest Peoples Credit Union Webster City, IA personal loan rate is its Unsecured/Personal Loan - 18 Month or Less at 9.74% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Peoples Credit Union Webster City, IA?The lowest Peoples Credit Union Webster City, IA credit card APR is its Classic Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Peoples Credit Union Webster City, IA operate?Peoples Credit Union Webster City, IA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Peoples Credit Union Webster City, IA?Yes, to access services at Peoples Credit Union Webster City, IA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Peoples Credit Union Webster City, 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 Credit Union Webster City, IA provides members with tools to manage their accounts and build a solid financial history. Does Peoples Credit Union Webster City, IA offer online and mobile banking?Most modern institutions like Peoples Credit Union Webster City, 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.peoples-credit-union.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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Credit Union Webster City, IA rates compare?Peoples Credit Union Webster City, IA's CD rates are 48% lower than the MonitorBankRates national average, and it has an A health rating. Peoples Credit Union Webster City, IA's top rates are its CD & IRA 60 Month at 2.15% APY, its Savings Account at 0.45% APY, its Advantage Checking Account at 2.53% APY, its Unsecured/Personal Loan - 18 Month or Less at 9.74% APR and its Classic Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026. Current Peoples Credit Union Webster City, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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