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Peoples Bank offers a variety of savings instruments. Whether you are saving for a rainy day or for something special, we have the right product for you. Our customer service representatives will be happy to assist you in determining what your savings needs are. For a comparison of all our savings products, please refer to the descriptions below.

Regular Savings

This is our basic savings account.
Minimum monthly balance of $100
If balance falls below $100, a charge of $5.00 will occur
One free withdrawal per month
After the first withdrawal, a charge of $3.00 will occur for every withdrawal after
A $50.00 hold on savings accounts for 120 days
Minor Savings

This account is for our younger savers. It’s a great way to start a savings account for children.
Available to children under the age of 18
Minimum opening balance of $50.00
One free withdrawal per month
After the first withdrawal a charge of $3.00 will occur for every withdrawal after
A $50.00 hold on savings accounts for 120 days
Christmas Club

Christmas can put a strain on your budget, but with a Christmas savings you can be prepared for those extra expenses. You can set aside a little all year long, and receive a check at the beginning of November.
Withdrawals prior to check disbursement will include a $10.00 fee
Early closures will include a $10.00 closure fee
Retirement Accounts

Don’t let retirement find you unprepared. Start an IRA account today and let your savings grow until retirement.
We provide Individual Retirement Accounts
$500.00 minimum deposit to open
Deposits can be made by a schedule that fits your needs
Interest rate adjusted annually on anniversary date
Certificates of Deposit

Please check out our competitive rates!
All Rates Subject to Change Daily. Current Rates as of March 15, 2010.
Term Minimum to open Rate APY
01 - 31 Days $2,500 0.19% 0.19%
32 - 89 Days $2,500 0.24% 0.24%
90 Days $2,500 1.01% 1.01%
182 Days $1,000 2.01%  2.02%
9 Months $1,000 2.01%  2.02%
1 Year $500 2.08% 2.08%
2 Years $500 2.27% 2.27%
3 Years $500 2.43% 2.43%
4 Years $500 3.09% 3.09%
5 Years $500 3.11% 3.11%

** Fees and penalties may reduce earnings.  Penalties may be applied for early withdrawal.
** ALL RATES SUBJECT TO CHANGE DAILY
** APY means Annual Percentage Yield.
Riser Rate Certificates of Deposit

Allows customer to change to rate one time before maturity. Incumbent on the customer to advise us of the rate change request.

Current Rates as of March 15, 2010                         
Term Minimum to open Rate APY
2 Years $500 2.08% 2.08%
3 Years $500 2.29%  2.29% 
4 Years $500 2.91% 2.91%
5 Years $500 2.93% 2.93%

** Fees and penalties may reduce earnings.  Penalties may be applied for early withdrawal.
** IF AN APY IS NEEDED FOR DAYS OTHER THAN THOSE PRINTED ON THIS SHEET, A CALCULATION
   ON THE TRUTH IN SAVINGS SYSTEM IS NECESSARY.
** APY means Annual Percentage Yield.
** Allowed to change the rate one time before maturity. Incumbent on the customer to advise us of the
   rate change request.
** ALL RATES SUBJECT TO CHANGE DAILY
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