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 Peoples Trust Co. of St. Albans Rates & Review April 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: April 11, 2026
Peoples Trust Co. of St. Albans's 1-Month Certificate of Deposit rates are at 3.50%, 3-Month Certificate of Deposit rates are at 3.50%, 6-Month Certificate of Deposit rates are at 3.50%, 60-Month Certificate of Deposit rates are at 3.00%, 48-Month Certificate of Deposit rates are at 2.75%. Peoples Trust Co. of St. Albans's savings rates are at 0.10%. Peoples Trust Co. of St. Albans's money market rates are at 0.10%. Peoples Trust Co. of St. Albans's 15 Year Fixed Rate rates are at 5.25%, 10 Year Fixed Rate rates are at 5.38%, 20 Year Fixed Rate rates are at 5.50%, 15 Year Fixed Rate rates are at 5.62%, RD - Servicing Released 30 Year Fixed Rate rates are at 5.56%. MonitorBankRates evaluates the financial stability of Peoples Trust Co. of St. Albans with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.62%. Rates were last updated on 04/11/2026. Peoples Trust Co. of St. Albans 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 Trust Co. of St. Albans? Share your experience about Peoples Trust Co. of St. Albans by leaving a review below, or read customer reviews before you decide to use Peoples Trust Co. of St. Albans. 
Peoples Trust Co. of St. Albans CD Rates
Peoples Trust Co. of St. Albans Savings Rates
Peoples Trust Co. of St. Albans Money Market Rates
Peoples Trust Co. of St. Albans Mortgage Rates
Peoples Trust Co. of St. Albans Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Peoples Trust Co. of St. Albans 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 Trust Co. of St. Albans 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 Trust Co. of St. Albans's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Peoples Trust Co. of St. Albans
FDIC Certificate #
14168
Address
25 Kingman St,
Saint Albans, VT 05478 · Franklin
Website
https://www.ptcvt.com
Established
11/12/1866
FDIC Insurance Date
04/02/1934
Domestic Offices
5
Total Branches
5
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
3.62%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8471%
Return on Equity (ROE)
9.4200%
Non-Performing Loans (NPL)
0.29%
Total Assets
$384,277,000
Total Deposits
$339,187,000
Equity Capital
$42,335,000
Net Income
$4,143,000
Headquarters
Saint Albans
Total Offices
5
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Peoples Trust Co. of St. AlbansIs Peoples Trust Co. of St. Albans a safe place to deposit money?Yes, Peoples Trust Co. of St. Albans is considered a safe financial institution. With a Texas Ratio of 3.6196926615763%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Peoples Trust Co. of St. Albans operate?Peoples Trust Co. of St. Albans currently maintains approximately 5 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 Trust Co. of St. Albans 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 Trust Co. of St. Albans provides members with tools to manage their accounts and build a solid financial history. Does Peoples Trust Co. of St. Albans offer online and mobile banking?Most modern institutions like Peoples Trust Co. of St. Albans 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.ptcvt.com. Current Peoples Trust Co. of St. Albans Rates
Retrieved from our database of financial products. Rates subject to change.
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