Peoples State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Peoples State BankToday's 12-month CD rates can be found at 4.10%, 6-month CD rates at 4.30% and 3-month CD rates at 0.20%. Current savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 6.73%. Credit Card rates are at 19.74%. Personal Loan rates are at 11.24%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Peoples State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Peoples State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Peoples State Bank CD rates. You can also compare Peoples State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Peoples State Bank Texas Ratio

Peoples State Bank's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Peoples State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Peoples State Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Peoples State Bank
110 Main St
Westhope, ND 58793
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare Peoples State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Think Mutual Bank
Think Mutual Bank
6-Month CD
4.00%
$250
WVS West View SB
WVS West View SB
12-Month CD
4.00%
$500
Pacific Crest SB
Pacific Crest SB
48-Month CD
3.94%
$2,000
United States Senate Federal Credit Union
United States Senate Federal Credit Union
60-Month CD (Plus Jumbo)
3.82%
$200,000
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
84-Month CD
3.80%
$100
First Internet Bank of Indiana
First Internet Bank of Indiana
36-Month CD
3.77%
$1,000
Lea County State Bank
Lea County State Bank
60-Month CD
3.56%
$1,000
PNB Peshtigo National Bank
PNB Peshtigo National Bank
48-Month CD
3.55%
$500
Commerce Bank & Trust
Commerce Bank & Trust
12-Month CD
3.50%
$500
First State Bank Nebraska
First State Bank Nebraska
24-Month CD
3.50%
$5,000
Sikorsky Credit Union
Sikorsky Credit Union
30-Month CD
3.45%
$500
Academy Bank
Academy Bank
18-Month CD
3.29%
$500
Tucumcari Federal S&L
12-Month CD
3.09%
$1,000
Kennett Trust Bank
Kennett Trust Bank
60-Month CD
3.04%
$500
Bank of Star Valley
Bank of Star Valley
36-Month CD
3.03%
$250
Montgomery Bank
Montgomery Bank
eGold Checking
3.01%
$0
Murphy Bank
Murphy Bank
24-Month CD
3.00%
$1,000
The Bank of Bennington
The Bank of Bennington
48-Month CD
3.00%
$500
Union State Bank of Everest
Union State Bank of Everest
36-Month CD
3.00%
$1,000
BankVista
BankVista
24-Month CD
2.96%
$1,000
First State Bank Stuart, IA
First State Bank Stuart, IA
3-Month CD
2.75%
$500
First National Bank of Shiner
First National Bank of Shiner
24-Month CD
2.75%
$1,000
Addition Financial Credit Union
Addition Financial Credit Union
24-Month CD
2.27%
$1,000
Union Federal S&L
48-Month CD
2.25%
$200
Farmers State Bank of Newcastle
Farmers State Bank of Newcastle
NOW Plus Checking
2.00%
$25,000
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
30-Month CD
2.00%
$1,000
MutualOne Bank
MutualOne Bank
18-Month CD
1.75%
$500
South Central State Bank
South Central State Bank
18-Month CD
1.46%
$1,000
TSB Teutopolis State Bank
TSB Teutopolis State Bank
60-Month CD
1.10%
$500
New Mexico Bank and Trust
New Mexico Bank and Trust
60-Month CD
0.90%
$1,000
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
Statement Savings
0.70%
$1
Commonwealth Community Bank, Inc.
Commonwealth Community Bank, Inc.
24-Month CD
0.70%
$0
WaterStone Bank
WaterStone Bank
60-Month CD
0.70%
$1,000
FLC Bank
FLC Bank
60-Month CD
0.65%
$2,000
MCS Bank
MCS Bank
120-Month CD
0.60%
$1,000
Heartland State Bank Edgeley, ND
Heartland State Bank Edgeley, ND
Money Market
0.50%
$2,500
Lincoln Bank of Hodgenville
Lincoln Bank of Hodgenville
24-Month CD
0.50%
$500
First National Bank in Marlow
First National Bank in Marlow
Regular Savings
0.30%
$100
Crest Savings Bank
Crest Savings Bank
12-Month CD
0.25%
$500
Greene County Commercial Bank
Greene County Commercial Bank
12-Month CD
0.25%
$1,000
Preferred Bank Rothville, MO
Preferred Bank Rothville, MO
Money Market
0.20%
$5,000
SSB Community Bank
SSB Community Bank
Money Market
0.15%
$10,000
Unity Bank
Unity Bank
12-Month CD
0.15%
$1,000
Peoples First Savings Bank
Peoples First Savings Bank
Statement Savings
0.10%
$100
Seamens Bank
Seamens Bank
Savings
0.10%
$1
Eclipse Bank
Eclipse Bank
6-Month CD
0.10%
$1,000
Academic Employees Credit Union
Academic Employees Credit Union
3-Month CD
0.10%
$1,000
InFirst Bank
InFirst Bank
Business Statement Savings
0.10%
$75,000
Busey Bank
Busey Bank
12-Month CD
0.05%
$1,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Primary Share Savings
0.05%
$1
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates December 1, 2024

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
10-Year Fixed (Power Rate)
4.875%
5.180%
0.000
5.050%
5.315%
0.000
15-Year Fixed (Power Rate)
5.125%
5.341%
0.000
5.125%
5.389%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.375%
5.435%
0.000
5.250%
5.438%
0.000
5.250%
5.491%
0.000
5.375%
5.525%
0.750
15-Year Fixed
5.500%
5.556%
0.000
5.250%
5.562%
0.000
5.375%
5.602%
0.750
5.500%
5.604%
0.000
5.500%
5.614%
0.000
5.375%
5.632%
0.000
15-Year Fixed
5.500%
5.641%
0.000
5.625%
5.673%
0.000
5.500%
5.714%
0.375
5.625%
5.715%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Peoples State Bank rate data right now, check back for updates, we are adding rates all the time.

Peoples State Bank Information

Peoples State Bank
110 Main St
Westhope, ND 58793
Bottineau
Established Date: 06/12/1906
FDIC Certificate #: 13196
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: PEOPLES STATE HOLDING CO
How Many Domestic U.S. Offices? 2
How Many Branches are There? 2
Website:
Is Peoples State Bank FDIC Insured? Yes
What is Peoples State Bank's Cert number? 13196
What is the maximum amount for insured deposits? $250,000 per holder, per account

Peoples State Bank Financials

Total Assets:
$71,670,000
Total Deposits:
$63,835,000
Equity Capital:
$7,762,000
Domestic Deposits:
$63,835,000
Net Income:
$217,000
Return on Assets:
1.4403%
Quarterly Return on Assets:
1.1900%
Pretax Return on Assets:
1.1851%
Pretax Quarterly Return on Assets:
1.1900%
Return on Equity:
14.9000%
Quarterly Return on Equity:
11.3700%
Leverage Tier 1 (Core Capital) Ratio:
12.8868%
Total Interest Income (YTD):
3.6948%
 
 
Headquarters:
Westhope
FDIC Field Office:
Fargo
Regulator:
FDIC
County:
Bottineau
# of Offices:
2
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Finding the best CD rates currently available isn't an easy thing to do these days since CD rates are so low. The current national average 12 month CD rate is only 0.87 percent. Longer term CD rates aren't much better. The current national average 60 month CD rate is averaging 2.25 percent.
Presidential Bank Money Market RatesPresidential Bank money market rates are offering the best money market rates available on our rate table right now. Current money market rates at Presidential Bank are at 2.23 percent with an APY of 2.25 percent. This rate and yield are on Presidential Bank's Money Market Plus Checking account. The minimum opening deposit to earn that money market rate from Presidential Bank are on the high end. The average daily balance for the month needs to be at least $100,000 if the day's balance is under $250,000. To get the highest rate and best deal on a money market account, compare other banks' rates with Presidential's Bank money market rates.

Keeping with the uptrend in 2017, CD rates continue to move higher in September. In August, the top 1 year CD rate was at 1.55 percent, this month the top 1 year CD rate is at 1.60 percent. Popular Direct, EverBank, and Pacific National Bank are all offering 1 year CD rates at 1.59 percent with a yield of 1.60 percent.

Bank or Credit Union Offers and Deals

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Navy Federal Credit Union 12 Month CD Rate of 2.86%
CD Rates Are Headed Back Down This Week
Citizens Trust Bank 5 Year CD Rates now at 0.40%

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