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Peoples Savings Bank Urbana OH Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
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 and Verified: August 28, 2026

Peoples Savings Bank Urbana OH's 18-Months 18-Month CD rates are at 3.72%, 12-Months 12-Month CD rates are at 3.56%, 18-Month IRA Certificate rates are at 3.05%, 36-Month IRA Certificate rates are at 3.05%, 6-Month IRA Certificate rates are at 3.05%. Peoples Savings Bank Urbana OH's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Peoples Savings Bank Urbana OH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.20%. Rates last updated and verified on 08/28/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.20%
Excellent Higher than avg
Peoples Savings Bank Urbana OH
10 Monument Sq
Urbana, OH 43078
https://www.thepeoplessavingsbank.com
Member FDIC

Peoples Savings Bank Urbana OH CD Rates

Product Rate APY Term View More
18 Month CD 3.65% 3.72% 18 months
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
12 Month CD 3.50% 3.56% 12 months
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
18 Month IRA Certificate 3.00% 3.05% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
36 Month IRA Certificate 3.00% 3.05% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
6 Month IRA Certificate 3.00% 3.05% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
24 Month CD 2.75% 2.79% 24 months
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
36 Month CD 2.50% 2.53% 36 months
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
48 Month CD 2.50% 2.53% 48 months
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
6 Month CD 2.50% 2.53% 6 months
Min Deposit $500
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%

Peoples Savings Bank Urbana OH Savings Rates

Product Rate APY View More
Christmas Savings 1.00% 1.00%
Min Deposit $10
Details N/A
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Money Fund Savings 0.85% 0.85%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Money Fund Savings 0.75% 0.75%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Money Fund Savings 0.50% 0.50%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Grandparent Statement Savings 0.20% 0.20%
Min Balance $25
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Money Fund Savings 0.20% 0.20%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Statement Savings 0.20% 0.20%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
IRA Statement Savings 0.10% 0.10%
Min Deposit $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%

Peoples Savings Bank Urbana OH Checking Rates

Product Rate APY View More
Business Interest Checking 0.35% 0.35%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Business Interest Checking 0.30% 0.30%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Business Interest Checking 0.25% 0.25%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
NOW Checking 0.25% 0.25%
Min Deposit $25
Min Balance $800
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
Business Interest Checking 0.10% 0.10%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.20%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Peoples Savings Bank Urbana OH 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 Savings Bank Urbana OH 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 Savings Bank Urbana OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peoples Savings Bank Urbana OH
FDIC Certificate # 29975
Address 10 Monument Sq, Urbana, OH 43078  ·  Champaign
Website https://www.thepeoplessavingsbank.com
Established 01/01/1892
FDIC Insurance Date 08/09/1989
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
9.20%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5882%
Return on Equity (ROE) 7.0200%
Non-Performing Loans (NPL) 0.66%
Total Assets $180,218,000
Total Deposits $162,013,000
Equity Capital $15,125,000
Net Income $925,000
Headquarters Urbana
Total Branches and Offices 2
Source: FDIC  |  Last Updated 12/31/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Peoples Savings Bank Urbana OH earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Peoples Savings Bank Urbana OH yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Peoples Savings Bank Urbana OH

How many branches does Peoples Savings Bank Urbana OH operate?

Peoples Savings Bank Urbana OH currently maintains approximately 2 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 Savings Bank Urbana OH 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 Savings Bank Urbana OH provides members with tools to manage their accounts and build a solid financial history.

Does Peoples Savings Bank Urbana OH offer online and mobile banking?

Most modern institutions like Peoples Savings Bank Urbana OH 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.thepeoplessavingsbank.com.

Current Peoples Savings Bank Urbana OH Rates

  • 12-Month CD3.56%
  • 18-Month CD3.05%
  • 24-Month CD2.79%
  • 36-Month CD2.53%
  • 48-Month CD2.53%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.

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