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The Peoples Credit Union

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The Peoples Credit Union Rates & Review November 2026

Q: What are the current interest rates at The Peoples Credit Union?

Current rates for The Peoples Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 2.35%, Savings: 0.05%, MMA: 3.00%

Q: What CD terms does The Peoples Credit Union offer?

The Peoples Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 7 month CD, 4.00% APY for a 9 month CD, 4.00% APY for a 10 month CD, 4.00% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD and 2.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with The Peoples Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

The Peoples Credit Union's CD of Deposit - 10 month rates are at 4.00%, CD of Deposit - 12 month rates are at 4.00%, CD of Deposit - 6 month rates are at 4.00%, CD of Deposit - 7 month rates are at 4.00%, CD of Deposit - 9 month rates are at 4.00%. The Peoples Credit Union's savings rates are at 0.05%. The Peoples Credit Union's money market rates are at 3.00%. The Peoples Credit Union's checking rates are as high as 0.10%. The Peoples Credit Union's Fixed Rate Mortgage - Primary Residence rates are at 6.50%, Fixed Rate Mortgage - 15 Year Fixed Rate rates are at 6.50%, Adjustable Rate Mortgage - 5/1 ARM rates are at 6.50%, Adjustable Rate Mortgage - 7/1 ARM rates are at 6.62%, Adjustable Rate Mortgage - 10/1 ARM rates are at 6.88%. The Peoples Credit Union's Personal Loan Rates are as low as 9.99%. The Peoples Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of The Peoples Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.51%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.51%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Peoples Credit Union
Peoples Credit Union

858 W Main Rd
Middletown, RI 02842

https://www.peoplescu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

The Peoples Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 10 month	-	4.00%	10 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 4.00% ▲ 0.85 pts · high 4.00% / low 3.15% Oct 9, 20264.00%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 12 month	-	4.00%	12 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 9, 20264.00%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 6 month	-	4.00%	6 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00% Oct 9, 20264.00%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 7 month	-	4.00%	7 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 9, 20264.00%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 9 month	-	4.00%	9 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Oct 9, 20264.00%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 18 month	-	3.50%	18 Months
Min Deposit $500 Min Balance $500 Details How to Open: Open Now Last Updated 10/29/2026 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: 4.51%
Certificate of Deposit - 24 month	-	3.50%	24 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 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: 4.51%
Certificate of Deposit - 15 month	-	3.25%	15 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 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: 4.51%
Certificate of Deposit - 30 month	-	2.60%	30 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 36 month	-	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 48 month	-	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 60 month	-	2.35%	60 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Certificate of Deposit - 3 month	-	0.10%	3 Months
Min Deposit $500 Min Balance $500 Details How to Open: Contact Us Last Updated 10/29/2026 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: 4.51%

The Peoples Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	-	0.05%
Min Deposit $5 Min Balance $100 Details Minimum daily balance to earn APY: $100.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Money Market Rates

Product	Rate	APY	View More
Selective Reserve Money Market Account	-	3.00%
Min Deposit $2,500 Min Balance $2,500 Details For members with an excess of $250,000 on deposit at People's Credit Union; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Business Money Market Rates

Product	Rate	APY
Business Selective Reserve Money Market Account	-	3.00%
Min Deposit $2,500 Min Balance $2,500 Details For members with an excess of $250,000 on deposit at People's Credit Union; Balance: $2,500.00 and over; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Max Yield Money Market	-	2.50%
Min Deposit $2,500 Min Balance $500,000 Details Minimum daily balance tier: $500,000.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Max Yield Money Market	-	2.25%
Min Deposit $2,500 Min Balance $50,000 Details Minimum daily balance tier: $50,000.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Max Yield Money Market	-	2.00%
Min Deposit $2,500 Min Balance $2,500 Details Minimum daily balance tier: $2,500.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.25%
Min Deposit $2,500 Min Balance $75,000 Details Minimum daily balance tier: $75,000.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Minimum daily balance tier: $50,000.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Minimum daily balance tier: $25,000.00; How to Open: Contact Us Last Updated 10/29/2026 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: 4.51%
Business Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Minimum daily balance tier: $2,500.00; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Checking Rates

Product	Rate	APY
Max Yield Checking	-	0.10%
Min Deposit $25 Min Balance $1,500 Details Balance: $1,500.00 and over; Must maintain a minimum daily balance of $1,500.00 to avoid the $15.00 monthly service charge and to obtain the disclosed APY Last Updated 10/29/2026 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: 4.51%
Max Yield Checking	-	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 and over (lower tier, below the $1,500.00 tier) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
myDirect Interest Checking	-	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 and over; $10.00 monthly service charge without Direct Deposit; first direct deposit must occur within 30 days after account is opened; must have an automatic direct deposit credited at least once per month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Business Checking Rates

Product	Rate	APY
Business Interest Checking	-	0.10%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 and over; How to Open: Contact Us Last Updated 10/29/2026 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: 4.51%
Business Interest Checking	-	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $4,999.99; How to Open: Contact Us Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage - Primary Residence	6.50%	0	6.50%	10 Years
Details Property: Primary Residence Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - 15 Year Fixed Rate	6.50%	0	6.651%	15 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Primary Residence	6.75%	0	6.75%	15 Years
Details Property: Primary Residence Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Adjustable Rate Mortgage - 5/1 ARM	6.50%	0	6.838%
Details Rate may increase after closing; APR is lowest available and subject to change without notice Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.29% → 6.84% ▲ 0.55 pts · high 6.84% / low 6.29% Oct 9, 20266.84%▲ from 6.62% Oct 1, 20266.62%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Adjustable Rate Mortgage - 7/1 ARM	6.625%	0	6.898%
Details Rate may increase after closing; APR is lowest available and subject to change without notice Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.33% → 6.90% ▲ 0.57 pts · high 6.90% / low 6.33% Oct 9, 20266.90%▲ from 6.64% Oct 1, 20266.64%▲ from 6.33% Sep 14, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Adjustable Rate Mortgage - 10/1 ARM	6.875%	0	7.013%
Details Rate may increase after closing; APR is lowest available and subject to change without notice Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.34% → 7.01% ▲ 0.67 pts · high 7.01% / low 6.34% Oct 9, 20267.01%▲ from 6.63% Oct 1, 20266.63%▲ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Primary Residence	7.125%	0	7.125%	20 Years
Details Property: Primary Residence Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - 20 Year Fixed Rate	7.00%	0	7.129%	20 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - 30 Year Fixed Rate	7.125%	0	7.226%	30 years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Investment Property	7.50%	0	7.50%	10 Years
Details Property: Investment Property Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Investment Property	7.75%	0	7.75%	15 Years
Details Property: Investment Property Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Investment Property	8.125%	0	8.125%	20 Years
Details Property: Investment Property Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Centennial Home Equity Line of Credit - Primary Residence	6.25%	0	6.25%
Details First and Second Position; Maximum LTV 80% for owner-occupied homes; Variable rate based on WSJ Prime + margin; 10 year draw period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 22, 20266.25%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Primary Residence	6.50%	0	6.50%	10 Years
Details Property: Primary Residence Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 13, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Centennial Home Equity Line of Credit - Second Home	6.75%	0	6.75%
Details First and Second Position; Maximum LTV 80% for owner-occupied homes; Variable rate based on WSJ Prime + margin; 10 year draw period Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 22, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Primary Residence	6.75%	0	6.75%	15 Years
Details Property: Primary Residence Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 13, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Second Home	7.00%	0	7.00%	10 Years
Details Property: Second Home Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 13, 20267.00%▲ from 6.75% Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Primary Residence	7.125%	0	7.125%	20 Years
Details Property: Primary Residence Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88% Oct 13, 20267.13%▲ from 6.88% Sep 18, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Centennial Home Equity Line of Credit - Investment Property	7.25%	0	7.25%
Details First and Second Position; Maximum LTV 70% for investment properties; Variable rate based on WSJ Prime + margin; 10 year draw period; minimum credit score 700 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 22, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Second Home	7.25%	0	7.25%	15 Years
Details Property: Second Home Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 13, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Investment Property	7.50%	0	7.50%	10 Years
Details Property: Investment Property Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 13, 20267.50%▲ from 7.25% Sep 18, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Second Home	7.625%	0	7.625%	20 Years
Details Property: Second Home Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38% Oct 13, 20267.63%▲ from 7.38% Sep 18, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Investment Property	7.75%	0	7.75%	15 Years
Details Property: Investment Property Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 13, 20267.75%▲ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home Equity Loan - Investment Property	8.125%	0	8.125%	20 Years
Details Property: Investment Property Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.88% → 8.13% ▲ 0.25 pts · high 8.13% / low 7.88% Oct 13, 20268.13%▲ from 7.88% Sep 18, 20267.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2023-2026 Model Year	-	-	5.49%	63 Months
Details Model Years 2023-2026; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan - 2023-2026 Model Year	-	-	5.49%	66 Months
Details Model Years 2023-2026; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan 2023-2026 Model Years	-	-	5.49%	63 Months
Details Model Years 2023-2026; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan 2023-2026 Model Years	-	-	5.49%	66 Months
Details Model Years 2023-2026; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan - 2023-2026 Model Year	-	-	5.74%	75 Months
Details Model Years 2023-2026; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan - Model Years 2020-2022	-	-	5.74%	63 Months
Details Model Years: 2020-2022 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan - Model Years 2020-2022	-	-	5.74%	66 Months
Details Model Years: 2020-2022 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan 2023-2026 Model Years	-	-	5.74%	75 Months
Details Model Years 2023-2026; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan	-	-	6.14%	75 Months
Details Model Years: 2020-2022 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.79% → 6.14% ▲ 0.35 pts · high 6.14% / low 5.79% Oct 26, 20266.14%▲ from 5.79% Sep 18, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan - 2023-2026 Model Year	-	-	6.74%	84 Months
Details Model Years 2023-2026; Minimum loan amount $25,000; maximum mileage 40,000 for 84-month terms; Advertised APR based on credit score of 700 and max LTV of 120%; published rate includes 0.25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan 2023-2026 Model Years	-	-	6.74%	84 Months
Details Model Years 2023-2026; Minimum loan amount $25,000; maximum mileage 40,000 for 84-month term; Published rate includes 0.25% automatic payment discount; Advertised APR based on credit score of 700 and maximum LTV of 120% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan	-	-	6.90%	66 month
Details Model Years: 2017-2019 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.34% → 6.90% ▲ 1.56 pts · high 6.90% / low 5.34% Oct 26, 20266.90%▲ from 5.34% Sep 18, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan	-	-	7.10%	66 months
Details Model Years: 2016 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.34% → 7.10% ▲ 1.76 pts · high 7.10% / low 5.34% Oct 26, 20267.10%▲ from 5.34% Sep 18, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan	-	-	7.49%	60 Months
Details Program: 2021-2024; Advertised APR based on credit score of 700 and maximum LTV of 120%; published rate includes 0.25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan	-	-	7.54%	75 month
Details Model Years: 2017-2019 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.79% → 7.54% ▲ 1.75 pts · high 7.54% / low 5.79% Oct 26, 20267.54%▲ from 5.79% Sep 18, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Auto Loan	-	-	7.99%	72 Months
Details Program: 2019-2020; Advertised APR based on credit score of 700 and maximum LTV of 120%; published rate includes 0.25% automatic payment discount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.49%	60 Months
Details Model Year: 2021-2024; Advertised APR based on credit score of 700 and maximum LTV of 90%; new loans only; APR is lowest available and subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Motorcycle Loan	-	7.99%	72 Months
Details Model Year: 2019-2020; Advertised APR based on credit score of 700 and maximum LTV of 90%; new loans only; APR is lowest available and subject to change without notice Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Credit Card Rates

Product	Rate	APR
Low-Rate Credit Card	-	0.00%
Details Promotional APR for Purchases: 0.00%; Lowest APR for Purchases: 12.74%; Lowest APR for Balances: 12.74%; Annual Fee:; Intro rate expires: first twelve billing cycles; Regular APR: 7.00%-18.00% (as of 09.21.2026) Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
People's CU Low-Rate Credit Card	-	0.00%
Details Intro rate expires: 12 billing cycles; Regular APR: 12.49% to 15.99%; Lowest APR for Purchases: 12.49% to 15.99%; Lowest APR for Balance Transfers: 12.49% to 15.99%; Annual Fee: Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Rewards Credit Card	16.24%	0.00%
Details Promotional APR for Purchases: 0.00%; Lowest APR for Purchases: 16.24%; Lowest APR for Balances: 16.24%; Annual Fee:; Intro rate expires: first twelve billing cycles; Regular APR: 7.00%-18.00% (as of 09.21.2026) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 16.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Rewards Credit Card	-	0.00%
Details Intro rate expires: 12 billing cycles; Regular APR: 16.24%; Lowest APR for Balances: 16.24%; Annual Fee: Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 16.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan - Any Purpose Loan	9.99%
Details As Low As; Advertised APR based on a credit score of 700 or higher; Maximum amount of loan: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Personal Line of Credit - Line of Credit	13.75%
Details As Low As; Adjustable Rate; Maximum amount of line: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 13.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Personal Line of Credit Adjustable Rate - Line of Credit	13.75%
Details As Low As; Advertised APR based on a credit score of 700 or higher; Maximum amount of line: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 13.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

The Peoples Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Any Purpose Loan	-	-	9.99%
Details As Low As; Personal Loan; Maximum amount of loan: $15,000; Advertised APR based on a credit score of 700 or higher Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Construction to Permanent Fixed Rate	7.125%	0.50	7.201%
Details Construction loan term is 31 years fixed rate: 12 months interest-only followed by 30 years principal and interest; Property insurance (and flood insurance if applicable) required Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.44% → 7.20% ▲ 0.76 pts · high 7.20% / low 6.44% Oct 9, 20267.20%▲ from 6.69% Oct 1, 20266.69%▲ from 6.44% Sep 14, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Home	6.00%	-	6.00%
Details Home Equity Options homepage featured rate; rate printed as '6.00%' with no APR label Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Second Home	7.00%	0	7.00%	10 Years
Details Property: Second Home Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Second Home	7.25%	0	7.25%	15 Years
Details Property: Second Home Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Fixed Rate Mortgage - Second Home	7.625%	0	7.625%	20 Years
Details Property: Second Home Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

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

The Peoples Credit Union’s Texas Ratio rose from 3.37% in Q3 2023 to 4.51% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$811M	4.51%	5.0	A+
March 31, 2026	$802M	3.20%	5.0	A+
December 31, 2025	$808M	3.32%	5.0	A+
September 30, 2025	$810M	3.35%	5.0	A+
June 30, 2025	$799M	2.24%	5.0	A+
March 31, 2025	$772M	2.82%	5.0	A+
December 31, 2024	$747M	2.92%	5.0	A+
September 30, 2024	$750M	3.52%	5.0	A+
June 30, 2024	$741M	2.15%	5.0	A+
March 31, 2024	$712M	2.99%	5.0	A+
December 31, 2023	$718M	3.61%	5.0	A+
September 30, 2023	$707M	3.37%	5.0	A+

Source: NCUA 5300 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 The Peoples Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather The Peoples Credit Union 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 The Peoples Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Peoples Credit Union

Website https://www.peoplescu.com

Address 858 W Main Rd, Middletown, RI 02842

Phone 401-846-8930

Fax 401-846-1210

President Edward Lopes, Jr.

CEO Sean Daly

Full-Time Employees 123

Part-Time Employees 5

Branch Locations 6

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.51%

Return on Assets (ROA)

0.1305%

Return on Equity (ROE)

1.3094%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

811,196,629

Total Amount of Shares and Deposits

639,106,110

Total Shares and Deposits < 1 Year

615,843,807

Total Shares and Deposits 1 3 Years

22,686,953

Total Shares and Deposits > 3 Years

575,350

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

69,623,962

Total Uninsured Shares and Deposits > $250K (F+J)

69,623,962

Total Insured Shares and Deposits > $250K (item 17 less item K)

569,482,148

Total Interest Expense (Sum of items 6 8)

5,939,410

Share Certificates

3,729

Number of Accounts for Share Drafts

23,611

IRA KEOGH Accounts

740

Number of Accounts for Regular Shares

23,600

All other shares

1,491

Money Market Shares

1,792

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,721,581

Total Liabilities

738,132,917

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Peoples Credit Union 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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       width="160" height="160">
</a>

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About The Peoples Credit Union

Does The Peoples Credit Union offer CDs?

Yes. The Peoples Credit Union current CD rates include its CD of Deposit - 10 month at 4.00% APY, its CD of Deposit - 12 month at 4.00% APY and its CD of Deposit - 6 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from The Peoples Credit Union NCUA insured?

Yes. The Peoples Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Peoples Credit Union?

The highest The Peoples Credit Union CD rate is its CD of Deposit - 10 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does The Peoples Credit Union offer?

The Peoples Credit Union CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 7 month CD, 4.00% APY for a 9 month CD, 4.00% APY for a 10 month CD, 4.00% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD and 2.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with The Peoples Credit Union for its full lineup.

What is the highest savings rate at The Peoples Credit Union?

The highest The Peoples Credit Union savings rate is its Business Savings Account at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at The Peoples Credit Union?

The highest The Peoples Credit Union money market rate is its Business Selective Reserve Money Market Account at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at The Peoples Credit Union?

The highest The Peoples Credit Union checking rate is its Business Interest Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at The Peoples Credit Union?

The lowest The Peoples Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year Fixed Rate at 7.125%, verified by MonitorBankRates as of October 29, 2026. The Peoples Credit Union mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 5/1 ARM, 6.625% for a 7/1 ARM and 6.875% for a 10/1 ARM.

What is the lowest auto loan rate at The Peoples Credit Union?

The lowest The Peoples Credit Union auto loan rate is its Auto Loan - 2023-2026 Model Year at 5.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at The Peoples Credit Union?

The lowest The Peoples Credit Union personal loan rate is its Personal Loan - Any Purpose Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at The Peoples Credit Union?

The lowest The Peoples Credit Union credit card APR is its Rewards Credit Card at 16.24%, verified by MonitorBankRates as of October 29, 2026.

How many branches does The Peoples Credit Union operate?

The Peoples Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join The Peoples Credit Union?

Yes, to access services at The Peoples Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, The Peoples Credit Union 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, The Peoples Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does The Peoples Credit Union offer online and mobile banking?

Most modern institutions like The Peoples Credit Union 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.peoplescu.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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 The Peoples Credit Union rates compare?

The Peoples Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. The Peoples Credit Union's top rates are its CD of Deposit - 10 month at 4.00% APY, its Business Savings Account at 0.05% APY, its Business Selective Reserve Money Market Account at 3.00% APY, its Business Interest Checking at 0.10% APY, its Fixed Rate Mortgage - Primary Residence at 6.50% and its Personal Loan - Any Purpose Loan at 9.99% APR, verified by MonitorBankRates on October 29, 2026.

Current The Peoples Credit Union Rates

12-Month CD4.00%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD2.35%
Savings0.05%
MMA3.00%

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

Compare to Other Credit Unions

The Peoples Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Peoples Credit Union Texas Ratio

The Peoples Credit Union Health Trend

The Peoples Credit Union CD Rates

The Peoples Credit Union Business Savings Rates

The Peoples Credit Union Money Market Rates

The Peoples Credit Union Business Money Market Rates

The Peoples Credit Union Checking Rates

The Peoples Credit Union Business Checking Rates

The Peoples Credit Union Mortgage Rates

The Peoples Credit Union Home Equity & HELOC

The Peoples Credit Union Auto Loan Rates

The Peoples Credit Union RV, Boat and Powersport Loan Rates

The Peoples Credit Union Credit Card Rates

The Peoples Credit Union Personal Loan Rates

The Peoples Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

The Peoples Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Peoples Credit Union

Does The Peoples Credit Union offer CDs?

Are CDs from The Peoples Credit Union NCUA insured?

What is the highest CD rate at The Peoples Credit Union?

What CD terms does The Peoples Credit Union offer?

What is the highest savings rate at The Peoples Credit Union?

What is the highest money market rate at The Peoples Credit Union?

What is the highest checking rate at The Peoples Credit Union?

What is the lowest 30 year fixed mortgage rate at The Peoples Credit Union?

What is the lowest auto loan rate at The Peoples Credit Union?

What is the lowest personal loan rate at The Peoples Credit Union?

What is the lowest credit card APR at The Peoples Credit Union?

How many branches does The Peoples Credit Union operate?

Is a member application needed to join The Peoples Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Peoples Credit Union 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 The Peoples Credit Union rates compare?

Current The Peoples Credit Union Rates

Compare to Other Credit Unions