What are the current interest rates at Peoples State Bank (WI)?

Current rates for Peoples State Bank (WI) include: 12-Month CD: 2.50%, 18-Month CD: 2.50%, 24-Month CD: 2.75%, 36-Month CD: 2.75%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 3.50%

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Peoples State Bank (WI) Rates & Review October 2026

Q: How many branches does Peoples State Bank (WI) operate?

Peoples State Bank (WI) currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples State Bank (WI) 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 14, 2026

Peoples State Bank (WI)'s top rates as of October 14, 2026 are 3.75% APY on its 13-Months 13-Month CD Special, 0.10% APY on savings, 3.50% APY on money market accounts, and 0.10% APY on checking, according to rates verified by MonitorBankRates. Other Peoples State Bank (WI) CD rates include 7-Months 7-Month CD Special at 3.75%, 48-Months 48-Month CD at 3.00%, and 60-Months 60-Month CD at 3.00%. MonitorBankRates evaluates the financial stability of Peoples State Bank (WI) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.20%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.20%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Peoples State Bank

1905 Stewart Ave
Wausau, WI 54401

https://www.bankpeoples.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 State Bank (WI) CD Rates

Product	Rate	APY	Term
13-Month CD Special	3.69%	3.75%	13 months
Min Deposit $10,000 Details Special CDs/IRAs; CD Specials up to $250,000 per term for Peoples customers with an active checking account or $10,000 in new money; penalty for early withdrawal; rates effective as of 09/21/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 24, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
7-Month CD Special	3.72%	3.75%	7 months
Min Deposit $10,000 Details Special CDs/IRAs; CD Specials up to $250,000 per term for Peoples customers with an active checking account or $10,000 in new money; penalty for early withdrawal; rates effective as of 09/21/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 24, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
48 Month CD	2.96%	3.00%	48 months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
60 Month CD	2.96%	3.00%	60 months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
24 Month CD	2.72%	2.75%	24 months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
36 Month CD	2.72%	2.75%	36 months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
12 Month CD	2.47%	2.50%	12 months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
18 Month CD	2.47%	2.50%	18 months
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
182 Day CD	1.99%	2.00%	182 days
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
90 to 181 Day CD	1.98%	2.00%	90 to 181 days
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%

Peoples State Bank (WI) Savings Rates

Product	Rate	APY
Peoples Super Saver Account	2.71%	2.75%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Qualifying balance up to $50,000.00; Balance: $.01-$50,000; Portion of balance over $50,000 earns 0.10% APY; $200 minimum daily balance to avoid $5 monthly service fee; Rate is variable and could change after the account is opened; Boosted rate available through Loyalty Program Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
Peoples Savings Account	0.10%	0.10%
Min Deposit $25 Min Balance $200 Details Balance: $200 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%

Peoples State Bank (WI) Business Money Market Rates

Product	Rate	APY
Peoples Money Market Plus and Peoples Business Money Market Plus	3.44%	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000 and more Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
Peoples Money Market Plus and Peoples Business Money Market Plus	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000 - Less than $1,000,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
Peoples Money Market Plus and Peoples Business Money Market Plus	2.71%	2.75%
Min Balance $250,000 Details Balance: $250,000 - Less than $500,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
Peoples Money Market Plus and Peoples Business Money Market Plus	0.74%	0.75%
Min Balance $100,000 Details Balance: $100,000 - Less than $250,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
Peoples Money Market Plus and Peoples Business Money Market Plus	0.64%	0.65%
Min Balance $25,000 Details Balance: $25,000 - Less than $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%
Peoples Money Market Plus and Peoples Business Money Market Plus	0.10%	0.10%
Details Balance: Less than $25,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%

Peoples State Bank (WI) Checking Rates

Product	Rate	APY	View More
Peoples Interest Checking	0.10%	0.10%
Min Deposit $25 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%

Peoples State Bank (WI) Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.20%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Peoples State Bank (WI)’s Texas Ratio rose from 5.44% in Q3 2023 to 11.20% 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 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	$1.5B	11.20%	5.0	A
March 31, 2026	$1.5B	10.99%	5.0	A
December 31, 2025	$1.5B	11.80%	5.0	A
September 30, 2025	$1.5B	12.05%	5.0	A
June 30, 2025	$1.5B	11.79%	5.0	A
March 31, 2025	$1.5B	9.86%	5.0	A
December 31, 2024	$1.5B	8.20%	5.0	A
September 30, 2024	$1.5B	8.03%	5.0	A
June 30, 2024	$1.5B	10.48%	5.0	A
March 31, 2024	$1.4B	10.00%	5.0	A
December 31, 2023	$1.4B	4.96%	5.0	A+
September 30, 2023	$1.4B	5.44%	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 State Bank (WI) 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 State Bank (WI) 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 State Bank (WI)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peoples State Bank (WI)

Bank Holding Company PSB HOLDINGS INC

Address 1905 Stewart Ave, Wausau, WI 54401 · Marathon

Website https://www.bankpeoples.com

FDIC Certificate # 18569

Established 19620801

FDIC Insurance Date 19620801

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0980%

Return on Equity (ROE) 11.6200%

Non-Performing Loans (NPL) 1.07%

Total Assets $1,502,133,000

Total Deposits $1,189,475,000

Equity Capital $143,903,000

Net Income $8,158,000

Headquarters Wausau

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Peoples State Bank (WI) 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Peoples State Bank (WI)

How many branches does Peoples State Bank (WI) operate?

Peoples State Bank (WI) currently maintains approximately 12 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 State Bank (WI) 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 State Bank (WI) provides members with tools to manage their accounts and build a solid financial history.

Does Peoples State Bank (WI) offer online and mobile banking?

Most modern institutions like Peoples State Bank (WI) 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.bankpeoples.com.