What are the current interest rates at Peoples State Bank Ellettsville, IN?

Current rates for Peoples State Bank Ellettsville, IN include: 12-Month CD: 2.25%, 18-Month CD: 2.25%, 24-Month CD: 2.50%, 36-Month CD: 2.75%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 0.01%

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Peoples State Bank Ellettsville, IN

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Peoples State Bank Ellettsville, IN Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples State Bank Ellettsville, IN 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: September 20, 2026

Peoples State Bank Ellettsville, IN's 36-Months 36-Month Certificate of Deposit rates are at 2.75%, 24-Months 24-Month Certificate of Deposit rates are at 2.50%, 30-Months 30-Month Certificate of Deposit rates are at 2.50%, 30-Months 30-Month IRA Certificates rates are at 2.50%, 48-Months 48-Month Certificate of Deposit rates are at 2.50%. Peoples State Bank Ellettsville, IN's savings rates are at 0.01%. Peoples State Bank Ellettsville, IN's PSB Mortgage Rates - 15 Year Fixed rates are at 6.62%, PSB Mortgage Rates - 30 Year Fixed rates are at 7.25%. MonitorBankRates evaluates the financial stability of Peoples State Bank Ellettsville, IN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.12%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Peoples State Bank Ellettsville, IN

601 E Temperance St
Ellettsville, IN 47429

https://www.psbanywhere.com

Peoples State Bank Ellettsville, IN CD Rates

Product	Rate	APY	Term
36 Month Certificate of Deposit	2.71%	2.75%	36 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24 Month Certificate of Deposit	2.47%	2.50%	24 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
30 Month Certificate of Deposit	2.47%	2.50%	30 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
30 Month IRA Certificates	2.47%	2.50%	30 Months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48 Month Certificate of Deposit	2.47%	2.50%	48 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month Certificate of Deposit	2.47%	2.50%	60 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60 Month IRA Certificates	2.47%	2.50%	60 Months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12 Month Certificate of Deposit	2.23%	2.25%	12 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month Certificate of Deposit	2.23%	2.25%	18 Months
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18 Month IRA Certificates	2.23%	2.25%	18 Months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
182 Day Certificate of Deposit	1.00%	1.01%	182 Days
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
91 Day Certificate of Deposit	0.50%	0.50%	91 Days
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

Peoples State Bank Ellettsville, IN Savings Rates

Product	Rate	APY
Health Savings Account	3.50%	3.56%
Min Balance $25,000 Details Balance: $25,000.01 - No Limit Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
BUSINESS SWEEP SAVINGS	2.13%	2.15%
Min Balance $250,000 Details Balance: Over $250,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Health Savings Account	2.00%	2.02%
Min Balance $17,500 Details Balance: $17,500.01 - $25,000.01 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Health Savings Account	1.75%	1.77%
Min Balance $10,000 Details Balance: $10,000.01 - $17,500.01 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Health Savings Account	1.50%	1.51%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.01 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
BUSINESS SWEEP SAVINGS	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
BUSINESS SWEEP SAVINGS	0.75%	0.75%
Min Balance $30,000 Details Balance: 30,000.01 - $100,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
REGULAR SAVINGS ACCOUNT	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000 and above Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Christmas Club	0.25%	0.25%
Min Balance $0 Details Balance: $0 and above Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Health Savings Account	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.01 - $5,000.01 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
REGULAR SAVINGS ACCOUNT	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
BUSINESS SWEEP SAVINGS	0.05%	0.05%
Min Balance $15,000 Details Balance: $15,000.01 - $30,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Health Savings Account	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $2,500.01 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
REGULAR SAVINGS ACCOUNT	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
BUSINESS SWEEP SAVINGS	0.03%	0.03%
Min Balance $5,000 Details Balance: $5,001.00 - $15,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
BUSINESS SWEEP SAVINGS	0.01%	0.01%
Min Balance $0 Details Balance: Under $5,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

Peoples State Bank Ellettsville, IN Checking Rates

Product	Rate	APY
Prestige Checking Account	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.01 and Up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Senior Prestige Checking Account	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.01 and Up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Checking Account	0.07%	0.07%
Min Balance $15,000 Details Balance: $15,000.01 - $25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Senior Prestige Checking Account	0.07%	0.07%
Min Balance $15,000 Details Balance: $15,000.01 - $25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Checking Account	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $7,500.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Checking Account	0.05%	0.05%
Min Balance $7,500 Details Balance: $7,500.01 - $15,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Senior Prestige Checking Account	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $7,500.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Senior Prestige Checking Account	0.05%	0.05%
Min Balance $7,500 Details Balance: $7,500.01 - $15,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Checking Account	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Senior Prestige Checking Account	0.01%	0.01%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

Peoples State Bank Ellettsville, IN Mortgage Rates

Product	Rate	Points	APR	Term
PSB Mortgage Rates - 15 Year Fixed	6.63%	0.000	6.77%	15 Year Fixed
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
PSB Mortgage Rates - 30 Year Fixed	7.25%	0.000%	7.34%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

Peoples State Bank Ellettsville, IN Other Rates

Product	Rate	Points	APY/APR
Loan	7.25%	0.000%	7.34%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Loan	6.63%	0.000	6.77%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Money Market Checking Account and Prestige Savings Account	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Money Market Checking Account and Prestige Savings Account	0.05%	-	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $10,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Money Market Checking Account and Prestige Savings Account	2.00%	-	2.02%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Prestige Money Market Checking Account and Prestige Savings Account	2.47%	-	2.50%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

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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Financial Health History

Peoples State Bank Ellettsville, IN’s Texas Ratio rose from 0.00% in Q3 2023 to 1.12% 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 4.7 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier — this bank’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	$507M	1.12%	5.0	A+
March 31, 2026	$487M	1.11%	5.0	A+
December 31, 2025	$482M	2.45%	5.0	A+
September 30, 2025	$469M	2.43%	5.0	A+
June 30, 2025	$465M	1.60%	5.0	A+
March 31, 2025	$458M	0.37%	5.0	A+
December 31, 2024	$466M	0.60%	5.0	A+
September 30, 2024	$460M	0.10%	5.0	A+
June 30, 2024	$458M	0.00%	5.0	A+
March 31, 2024	$447M	0.87%	5.0	A+
December 31, 2023	$452M	0.00%	5.0	A+
September 30, 2023	$448M	0.00%	4.7	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 Ellettsville, IN 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 Ellettsville, IN 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 Ellettsville, IN's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peoples State Bank Ellettsville, IN

Bank Holding Company ELLETTSVILLE BANCSHARES INC

Address 601 E Temperance St, Ellettsville, IN 47429 · Monroe

Website https://www.psbanywhere.com

FDIC Certificate # 14113

Established 19040101

FDIC Insurance Date 19340326

Domestic Offices 15

Total Branches 15

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4788%

Return on Equity (ROE) 15.7200%

Non-Performing Loans (NPL) 0.10%

Total Assets $506,621,000

Total Deposits $444,323,000

Equity Capital $47,343,000

Net Income $3,638,000

Headquarters Ellettsville

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Peoples State Bank Ellettsville, IN earned the Verified Healthy badge

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Frequently Asked Questions About Peoples State Bank Ellettsville, IN

How many branches does Peoples State Bank Ellettsville, IN operate?

Peoples State Bank Ellettsville, IN currently maintains approximately 15 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 Ellettsville, IN 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 Ellettsville, IN provides members with tools to manage their accounts and build a solid financial history.

Does Peoples State Bank Ellettsville, IN offer online and mobile banking?

Most modern institutions like Peoples State Bank Ellettsville, IN 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.psbanywhere.com.