What are the current interest rates at Peoples National Bank N.A.?

Current rates for Peoples National Bank N.A. include: 12-Month CD: 1.43%, 18-Month CD: 1.45%, 24-Month CD: 1.47%, 36-Month CD: 1.50%, 48-Month CD: 1.62%, 60-Month CD: 1.72%, Savings: 0.42%, MMA: 0.50%

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Peoples National Bank N.A. Rates & Review November 2026

Q: What CD terms does Peoples National Bank N.A. offer?

Peoples National Bank N.A. CD rates are 2.95% APY for a 6 month CD, 1.43% APY for a 12 month CD, 1.45% APY for an 18 month CD, 1.47% APY for a 2 year CD, 1.50% APY for a 3 year CD, 1.84% APY for a 47 month CD, 1.62% APY for a 4 year CD, 2.05% APY for a 59 month CD and 1.72% 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 National Bank N.A. for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Peoples National Bank N.A.'s CD (CDs) Specials - 12-Month rates are at 3.45%, CD (CDs) Specials - 6-Month rates are at 2.95%, 48 - 59-Months 48 - 59-Month CD rates are at 2.05%, 36 - 47-Months 36 - 47-Month CD rates are at 1.84%, CD (CDs) Specials - 60-Month Trade-Up rates are at 1.72%. Peoples National Bank N.A.'s savings rates are at 0.42%. Peoples National Bank N.A.'s money market rates are at 0.50%. Peoples National Bank N.A.'s checking rates are as high as 0.49%. Peoples National Bank N.A.'s top CD rate of 3.45% APY on a 12 month CD is 14% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Peoples National Bank N.A. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.39%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.39%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Peoples National Bank , N.A.

520 S 42nd St
Mount Vernon, IL 62864

https://www.peoplesnationalbank.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 National Bank N.A. CD Rates

Product	Rate	APY	Term	Min. Deposit
Individual Retirement Accounts (IRAs) - 12-Month Special	-	3.50%	12 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
IRA 12-Month Special	-	3.50%	12 Month	-
Min Balance $100 Details Special; Minimum balance to open and obtain APY is $100.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 12-Month	-	3.45%	12 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500+; Available at all Peoples National Bank locations; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 6-Month	-	2.95%	6 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500+; Available at all Peoples National Bank locations; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
60+ month CD	-	2.24%	60+ Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.24% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
60+ month CD	-	2.15%	60+ Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 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: 9.39%
48 - 59-Month CD	-	2.05%	48 - 59 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 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: 9.39%
Individual Retirement Accounts (IRAs) - 60-Month	-	1.96%	60 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.96% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
IRA 60-Month	-	1.96%	60 Month	-
Min Balance $100 Details Minimum balance to open and obtain APY is $100.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.96% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
48 - 59-Month CD	-	1.95%	48 - 59 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
60+ month CD	-	1.91%	60+ Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.91% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
36 - 47-Month CD	-	1.84%	36 - 47 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.84% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
48 - 59-Month CD	-	1.76%	48 - 59 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Individual Retirement Accounts (IRAs) - 48-Month	-	1.76%	48 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
IRA 48-Month	-	1.76%	48 Month	-
Min Balance $100 Details Minimum balance to open and obtain APY is $100.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
36 - 47-Month CD	-	1.74%	36 - 47 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.74% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 60-Month Trade-Up	-	1.72%	60 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500+; Trade Up option available one-time during the initial term; Trade Up based on published rate for remaining term excluding specials Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.72% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
24 - 35-Month CD	-	1.68%	24 - 35 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.68% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
36 - 47-Month CD	-	1.62%	36 - 47 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.62% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 48-Month Trade-Up	-	1.62%	48 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500+; Trade Up option available one-time during the initial term; Trade Up based on published rate for remaining term excluding specials Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.62% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
24 - 35-Month CD	-	1.58%	24 - 35 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.58% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Individual Retirement Accounts (IRAs) - 24-Month	-	1.55%	24 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
IRA 24-Month	-	1.55%	24 Month	-
Min Balance $100 Details Minimum balance to open and obtain APY is $100.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
18 - 23-Month CD	-	1.54%	18 - 23 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
12 - 17-Month CD	-	1.52%	12 - 17 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
6 - 11-Month CD	-	1.52%	6 - 11 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 10-Month 3 in 1	-	1.52%	10 Month	$500
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000+; 3 in 1 CD: add funds at any time, penalty-free withdrawals, yield increases as balance builds Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 36-Month Trade-Up	-	1.52%	36 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500+; Trade Up option available one-time during the initial term; Trade Up based on published rate for remaining term excluding specials Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Individual Retirement Accounts (IRAs) - 18-Month Variable	-	1.52%	18 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
24 - 35-Month CD	-	1.50%	24 - 35 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
12 - 17-Month CD	-	1.49%	12 - 17 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
18 - 23-Month CD	-	1.49%	18 - 23 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
6 - 11-Month CD	-	1.48%	6 - 11 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Individual Retirement Accounts (IRAs) - 18-Month	-	1.48%	18 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
IRA 18-Month	-	1.48%	18 Month	-
Min Balance $100 Details Minimum balance to open and obtain APY is $100.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
18 - 23-Month CD	-	1.47%	18 - 23 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.47% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 10-Month 3 in 1	-	1.47%	10 Month	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; 3 in 1 CD: add funds at any time, penalty-free withdrawals, yield increases as balance builds Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.47% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
12 - 17-Month CD	-	1.45%	12 - 17 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
3 - 5-Month CD	-	1.45%	3 - 5 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
12-Month Health Savings Account (CDs)	1.43%	1.44%	12 Months	$500
Min Deposit $500 Details Minimum Deposit Required to Open: $500; Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.44% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
3 - 5-Month CD	-	1.44%	3 - 5 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.44% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
1 - 2-Month CD	-	1.43%	1 - 2 Months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+; Minimum deposit to open and obtain the APY is $500; Consumer and Business funds only Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
6 - 11-Month CD	-	1.43%	6 - 11 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Individual Retirement Accounts (IRAs) - 12-Month	-	1.43%	12 Month	-
Min Balance $100 Details APYs based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
IRA 12-Month	-	1.43%	12 Month	-
Min Balance $100 Details Minimum balance to open and obtain APY is $100.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
CD (CDs) Specials - 10-Month 3 in 1	-	1.42%	10 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; 3 in 1 CD: add funds at any time, penalty-free withdrawals, yield increases as balance builds Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
1 - 2-Month CD	-	1.38%	1 - 2 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Minimum deposit to open and obtain the APY is $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.38% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
1 - 2-Month CD	-	1.37%	1 - 2 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.37% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
3 - 5-Month CD	-	1.37%	3 - 5 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999.99; Minimum deposit to open and obtain the APY is $500; Annual Percentage Yields based on Monthly Compounding; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.37% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Peoples National Bank N.A. Savings Rates

Product	Rate	APY
Christmas Saver	-	0.42%
Min Deposit $5 Details Minimum balance required to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Statement Savings	-	0.42%
Min Deposit $50 Details Minimum balance required to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Youth Savings	-	0.42%
Min Deposit $1 Details Minimum balance required to open Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Peoples National Bank N.A. Money Market Rates

Product	Rate	APY
Preferred Money Market	-	0.50%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Preferred Money Market	-	0.49%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Preferred Money Market	-	0.48%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Peoples National Bank N.A. Checking Rates

Product	Rate	APY
Peoples Prime 50 Checking	-	0.49%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Peoples Select Checking	-	0.49%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Peoples Select Checking	-	0.49%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Peoples Select Checking	-	0.49%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Peoples Select Checking	-	0.49%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Peoples Prime 50 Checking	-	0.48%
Min Deposit $50 Min Balance $500 Details Balance: $500-$9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.48% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

Peoples National Bank N.A. Other Rates

Product	Rate	Points	APY/APR
Cha-CHING $aver	0.40%	-	0.40%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Cha-CHING Ca$h	1.99%	-	2.01%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0 - $10,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Cha-CHING Cash	-	-	2.01%
Min Deposit $50 Details Qualifications required; 2.01% APY on balances up to $10,000; 2.01% to 0.32% APY on balances over $10,000 depending on balance; 0.01% APY if qualifications not met; Monthly maintenance fee:; Refunds on ATM withdrawal fees: up to $20 monthly; APYs accurate as of 09/01/2014; rates may change after account is opened Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Health Savings Account (Checking)	-	-	0.38%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.38% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Health Savings Account (Checking)	-	-	0.41%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%
Health Savings Account (Checking)	-	-	0.43%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000+ Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.43% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.39%

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Financial Health History

Peoples National Bank N.A.’s Texas Ratio fell from 9.97% in Q3 2023 to 9.39% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$2.1B	9.39%	5.0	A
March 31, 2026	$2.0B	10.74%	5.0	A
December 31, 2025	$2.0B	8.10%	5.0	A
September 30, 2025	$2.0B	12.65%	5.0	A
June 30, 2025	$1.9B	8.39%	5.0	A
March 31, 2025	$1.9B	8.26%	5.0	A
December 31, 2024	$1.9B	9.30%	5.0	A
September 30, 2024	$1.8B	10.04%	5.0	A
June 30, 2024	$1.7B	6.26%	5.0	A
March 31, 2024	$1.7B	9.74%	5.0	A
December 31, 2023	$1.7B	9.75%	5.0	A
September 30, 2023	$1.7B	9.97%	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 National Bank N.A. 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 National Bank N.A. 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 National Bank N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Peoples National Bank N.A.

Website https://www.peoplesnationalbank.com

Address 520 S 42nd St, Mount Vernon, IL 62864 · Jefferson

Bank Holding Company MARKET STREET BANCSHARES INC

FDIC Certificate # 3809

Regulator OCC

Established March 1, 1909

FDIC Insurance Date January 1, 1934

Domestic Offices 25

Total Branches 25

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.39%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4641%

Return on Equity (ROE)

16.7100%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

$2,083,619,000

Total Deposits

$1,843,656,000

Equity Capital

$179,368,000

Net Income

$14,852,000

Headquarters

Mount Vernon

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Peoples National Bank N.A. 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Peoples National Bank N.A.

Does Peoples National Bank N.A. offer CDs?

Yes. Peoples National Bank N.A. current CD rates include its CD (CDs) Specials - 12-Month at 3.45% APY, its CD (CDs) Specials - 6-Month at 2.95% APY and its 48 - 59-Months 48 - 59-Month CD at 2.05% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Peoples National Bank N.A. FDIC insured?

Yes. Peoples National Bank N.A. 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 National Bank N.A.?

The highest Peoples National Bank N.A. CD rate is its Individual Retirement Accounts (IRAs) - 12-Month Special CD at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Peoples National Bank N.A. offer?

Peoples National Bank N.A. CD rates are 2.95% APY for a 6 month CD, 1.43% APY for a 12 month CD, 1.45% APY for an 18 month CD, 1.47% APY for a 2 year CD, 1.50% APY for a 3 year CD, 1.84% APY for a 47 month CD, 1.62% APY for a 4 year CD, 2.05% APY for a 59 month CD and 1.72% 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 National Bank N.A. for its full lineup.

What is the highest savings rate at Peoples National Bank N.A.?

The highest Peoples National Bank N.A. savings rate is its Statement Savings at 0.42% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Peoples National Bank N.A.?

The highest Peoples National Bank N.A. money market rate is its Preferred Money Market at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Peoples National Bank N.A.?

The highest Peoples National Bank N.A. checking rate is its Peoples Prime 50 Checking at 0.49% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Peoples National Bank N.A. operate?

Peoples National Bank N.A. currently maintains approximately 25 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 National Bank N.A. 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 National Bank N.A. provides members with tools to manage their accounts and build a solid financial history.

Does Peoples National Bank N.A. offer online and mobile banking?

Most modern institutions like Peoples National Bank N.A. 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.peoplesnationalbank.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 National Bank N.A. rates compare?

Peoples National Bank N.A.'s top CD rate of 3.45% APY on a 12 month CD is 14% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. Peoples National Bank N.A.'s top rates are its Individual Retirement Accounts (IRAs) - 12-Month Special CD at 3.50% APY, its Statement Savings at 0.42% APY, its Preferred Money Market at 0.50% APY and its Peoples Prime 50 Checking at 0.49% APY, verified by MonitorBankRates on November 5, 2026.

Current Peoples National Bank N.A. Rates

12-Month CD1.43%
18-Month CD1.45%
24-Month CD1.47%
36-Month CD1.50%
48-Month CD1.62%
60-Month CD1.72%
Savings0.42%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Peoples National Bank N.A. Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Peoples National Bank N.A. Texas Ratio

Peoples National Bank N.A. Health Trend

Peoples National Bank N.A. CD Rates

Peoples National Bank N.A. Savings Rates

Peoples National Bank N.A. Money Market Rates

Peoples National Bank N.A. Checking Rates

Peoples National Bank N.A. Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Peoples National Bank N.A. earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Peoples National Bank N.A.

Does Peoples National Bank N.A. offer CDs?

Are CDs from Peoples National Bank N.A. FDIC insured?

What is the highest CD rate at Peoples National Bank N.A.?

What CD terms does Peoples National Bank N.A. offer?

What is the highest savings rate at Peoples National Bank N.A.?

What is the highest money market rate at Peoples National Bank N.A.?

What is the highest checking rate at Peoples National Bank N.A.?

How many branches does Peoples National Bank N.A. operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Peoples National Bank N.A. offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Peoples National Bank N.A. rates compare?

Current Peoples National Bank N.A. Rates

Compare to Other Banks