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 0.15%, 6-month CD rates at 3.75% and 3-month CD rates at 0.05%. Current savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 6.50%. Credit Card rates are at 11.50%. Personal Loan rates are at 10.00%. 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
Silver Lake Bank
Silver Lake Bank
Kasasa Checking
5.00%
$0
First Port City Bank
First Port City Bank
Interest Checking
4.00%
$0
First National Bank in Olney
First National Bank in Olney
18-Month CD
3.71%
$500
Bank of Hindman
Bank of Hindman
18-Month CD
3.61%
$1,000
First B&T Co. Perry, OK
First B&T Co. Perry, OK
60-Month CD
3.56%
$1,500
PSECU
PSECU
12-Month CD
3.55%
$500
Comerica Bank & Trust, N.A.
Comerica Bank & Trust, N.A.
9-Month CD
3.50%
$5,000
Citizens Federal S&LA
Citizens Federal S&LA
24-Month CD
3.36%
$500
Bank of Rantoul
Bank of Rantoul
48-Month CD
3.34%
$500
Black River Country Bank
Black River Country Bank
36-Month CD
3.15%
$1,000
Kennett Trust Bank
Kennett Trust Bank
36-Month CD
3.04%
$500
RBAZ Republic Bank of Arizona
36-Month CD
3.00%
$1,000
First Jackson Bank
First Jackson Bank
24-Month CD
3.00%
$1,000
Platte Valley Bank North Bend, NE
Platte Valley Bank North Bend, NE
60-Month CD
2.75%
$500
Metropolitan Capital B&T
Metropolitan Capital B&T
12-Month CD (Jumbo)
2.75%
$100,000
Crest Savings Bank
Crest Savings Bank
48-Month CD
2.75%
$500
Bank of Luxemburg
Bank of Luxemburg
12-Month CD
2.50%
$1,000
North Star Bank
North Star Bank
60-Month CD
2.36%
$500
HomePride Bank
HomePride Bank
60-Month CD
2.27%
$500
Anahuac National Bank
Anahuac National Bank
Kasasa Checking
2.25%
$0
Camp Grove State Bank
Camp Grove State Bank
High Performance Checking
2.15%
$25,000
Grinnell State Bank
Grinnell State Bank
36-Month CD
2.12%
$1,000
North Star Bank
North Star Bank
18-Month CD
2.10%
$500
Halstead Bank
Halstead Bank
6-Month CD
2.02%
$2,500
Warren-Boynton State Bank
Warren-Boynton State Bank
36-Month CD
2.01%
$1,000
BluPeak Credit Union
BluPeak Credit Union
48-Month CD
2.00%
$1,000
FSB Mcpherson, KS
FSB Mcpherson, KS
36-Month CD
1.86%
$1,000
The National Capital Bank of Washington
The National Capital Bank of Washington
3-Month CD
1.76%
$1,000
First National Bank of Clarksdale
First National Bank of Clarksdale
18-Month CD
1.50%
$500
USAA
USAA
30-Month CD
1.30%
$1,000
Madison County Bank
Madison County Bank
Money Market
1.15%
$250
FNB of Litchfield
FNB of Litchfield
18-Month CD
1.00%
$1,000
Greenville Federal
Greenville Federal
18-Month CD
0.75%
$500
Farmers Bank Nicholasville, KY
Farmers Bank Nicholasville, KY
Savings
0.75%
$50
FNB of Hereford
FNB of Hereford
NOW Checking
0.70%
$1,000
The Honesdale National Bank
The Honesdale National Bank
36-Month CD
0.70%
$1,000
Albany B&T Co. N.A.
Albany B&T Co. N.A.
Money Market
0.65%
$2,500
Forward Bank
Forward Bank
6-Month CD
0.65%
$500
Yakima Federal S&L
Yakima Federal S&L
Choice Money Market
0.50%
$25,000
Citizens Savings Bank Clarks Summit, PA
Citizens Savings Bank Clarks Summit, PA
60-Month CD
0.50%
$1,000
West Plains S&L
West Plains S&L
6-Month CD
0.45%
$1,000
Peoples Bank Chestertown, MD
Peoples Bank Chestertown, MD
24-Month CD
0.38%
$500
The Dime Bank
The Dime Bank
Statement Savings
0.35%
$5
PSB of Plainview
PSB of Plainview
Money Market
0.20%
$2,500
United Southern Bank
United Southern Bank
30-Month CD
0.20%
$1,000
Stafford Savings Bank
Stafford Savings Bank
Savings
0.11%
$5
Applied Bank
Applied Bank
6-Month CD
0.05%
$1,000
Eastern Connecticut Savings Bank
Eastern Connecticut Savings Bank
eStatement Savings
0.05%
$25
SaviBank
SaviBank
Business Money Market
0.05%
$0
First State Bank New London, WI
First State Bank New London, WI
Interest Checking
0.01%
$50
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 June 15, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
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

Current actions by The Bank of Japan (BOJ) will help force mortgage rates in the United States lower. The BOJ has started down an unprecedented path of stimulus by announcing their plan to purchase more than ¥100 trillion of Japanese government debt over the next two years. As a result of the BOJ's actions, investors are retreating from the Japanese bond market and looking for higher yields elsewhere in Europe and the United States.
mortgage-loans-finding-the-best-mortgage-loanMortgage loans were easy to come by over the past several years when credit was flowing, anyone with a pulse was able to get a mortgage loan. Many people were able to get a home loan without providing proof of their income.   

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