Peoples State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Peoples State BankToday's 12-month CD rates can be found at 0.30%, 6-month CD rates at 4.10% and 3-month CD rates at 0.20%. Current savings rates are at 0.15% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 7.07%. Credit Card rates are at 9.99%. Personal Loan rates are at 16.24%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Peoples State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Peoples State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Peoples State Bank CD rates. You can also compare Peoples State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Peoples State Bank Texas Ratio

Peoples State Bank's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Peoples State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Peoples State Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Peoples State Bank
110 Main St
Westhope, ND 58793
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare Peoples State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bank Five Nine
Bank Five Nine
60-Month CD
4.00%
$1,000
Apple Federal Credit Union
Apple Federal Credit Union
48-Month CD
3.75%
$500
First Shore Federal S&L
First Shore Federal S&L
12-Month CD
3.75%
$500
Central Bank of Kansas City
Central Bank of Kansas City
24-Month CD
3.55%
$500
Farmers and Drovers Bank
Farmers and Drovers Bank
24-Month CD
3.50%
$500
AAC Credit Union
AAC Credit Union
48-Month CD
3.50%
$500
Freedom Bank Huntingburg, IN
Freedom Bank Huntingburg, IN
36-Month CD
3.34%
$500
Newburyport Bank
Newburyport Bank
48-Month CD
3.25%
$500
Farmers National Bank
Farmers National Bank
60-Month CD
3.15%
$1,000
Bank of Prague
Bank of Prague
36-Month CD
3.12%
$1,000
Brentwood Bank
Brentwood Bank
36-Month CD
3.00%
$2,000
Gate City Bank
Gate City Bank
36-Month CD
3.00%
$1,000
Centreville Bank
Centreville Bank
18-Month CD
2.75%
$1,000
Ambler Savings Bank
Ambler Savings Bank
40-Month CD (Bump-Up)
2.75%
$1,000
Haddon Savings Bank
Haddon Savings Bank
36-Month CD
2.70%
$500
First Fidelity Bank Fort Payne, AL
First Fidelity Bank Fort Payne, AL
36-Month CD
2.52%
$1,000
FNB of Moose Lake
FNB of Moose Lake
60-Month CD
2.52%
$500
Kearny Bank
Kearny Bank
18-Month CD
2.50%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
Elite NOW Checking
2.50%
$1,000
Main Bank
Main Bank
48-Month CD
2.25%
$1,000
Bank of Brenham
Bank of Brenham
48-Month CD
2.25%
$1,000
First Federal S&L of Van Wert
First Federal S&L of Van Wert
60-Month CD
2.02%
$2,500
American State Bank of Grygla
American State Bank of Grygla
High Yield Savings
2.00%
$10,000
Geddes Federal S&L
Geddes Federal S&L
24-Month CD
1.76%
$500
First Harvest Federal Credit Union
First Harvest Federal Credit Union
18-Month CD
1.75%
$1,000
F&M Bank Laotto, IN
F&M Bank Laotto, IN
12-Month CD
1.51%
$500
Heritage Bank Wood River, NE
12-Month CD
1.50%
$1,000
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
Presidential Checking
1.50%
$5,000
Consumers Credit Union
Consumers Credit Union
48-Month CD
1.35%
$250
FNB of Pandora
FNB of Pandora
24-Month CD
1.31%
$1,000
Cayuga Lake National Bank
Cayuga Lake National Bank
36-Month CD
1.21%
$500
Buena Vista National Bank
Buena Vista National Bank
18-Month CD
1.00%
$500
Parkway Bank and Trust Company
Parkway Bank and Trust Company
12-Month CD
1.00%
$1,000
United Minnesota Bank
United Minnesota Bank
Platinum Money Market
0.75%
$2,500
Commonwealth Co-operative Bank
Commonwealth Co-operative Bank
36-Month CD
0.50%
$1,000
Paramount Bank
Paramount Bank
Money Market
0.50%
$100
State Bank of the Lakes
State Bank of the Lakes
18-Month CD
0.50%
$1,000
The Honesdale National Bank
The Honesdale National Bank
12-Month CD
0.50%
$1,000
Pioneer Bank Albany, NY
Pioneer Bank Albany, NY
24-Month CD
0.45%
$500
Schuyler Savings Bank
Schuyler Savings Bank
18-Month CD
0.35%
$1,000
Fayette Savings Bank, SSB
Fayette Savings Bank, SSB
Advanced Checking
0.20%
$100
CSB Norwood Young America
CSB Norwood Young America
Investment Checking
0.20%
$1,000
First Community Bank of Hillsboro
First Community Bank of Hillsboro
6-Month CD
0.15%
$1,000
PeoplesBank
PeoplesBank
Growth Savings
0.10%
$10
USAlliance Financial
USAlliance Financial
MyLife Money Market
0.07%
$2,000
FNB of Groton
FNB of Groton
Basic Savings
0.05%
$100
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
Passbook Savings
0.05%
$10
F&M Bank and Trust Company
F&M Bank and Trust Company
Statement Savings
0.05%
$100
Fifth Third Bank, N.A.
Fifth Third Bank, N.A.
12-Month
0.01%
$500
Regions Bank
Regions Bank
18-Month CD
0.01%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates January 25, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Peoples State Bank rate data right now, check back for updates, we are adding rates all the time.

Peoples State Bank Information

Peoples State Bank
110 Main St
Westhope, ND 58793
Bottineau
Established Date: 06/12/1906
FDIC Certificate #: 13196
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: PEOPLES STATE HOLDING CO
How Many Domestic U.S. Offices? 2
How Many Branches are There? 2
Website:
Is Peoples State Bank FDIC Insured? Yes
What is Peoples State Bank's Cert number? 13196
What is the maximum amount for insured deposits? $250,000 per holder, per account

Peoples State Bank Financials

Total Assets:
$71,670,000
Total Deposits:
$63,835,000
Equity Capital:
$7,762,000
Domestic Deposits:
$63,835,000
Net Income:
$217,000
Return on Assets:
1.4403%
Quarterly Return on Assets:
1.1900%
Pretax Return on Assets:
1.1851%
Pretax Quarterly Return on Assets:
1.1900%
Return on Equity:
14.9000%
Quarterly Return on Equity:
11.3700%
Leverage Tier 1 (Core Capital) Ratio:
12.8868%
Total Interest Income (YTD):
3.6948%
 
 
Headquarters:
Westhope
FDIC Field Office:
Fargo
Regulator:
FDIC
County:
Bottineau
# of Offices:
2
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

For the past several years the interest rate difference between the best CD rates on 1 year and 5 year CD rateshas been low. When you compare average rates between 1 year and 5 year certificates of deposit the difference is also minimal because the rate curve is flat. I don't anticipate average CD rates and the highest CD rates moving much higher anytime soon. We might have to wait until 2016 for rates to finally increase but maybe rates will increase sooner if the economy starts growing faster.
The best national CD rates can be found right here at monitorbankrates.com. We have compiled a list of the highest national CD rates with terms of 3 months, 6 months and 12 months. Right now E-loan.com tops our best 12 month CD rates list with a rate of 1.25% and a yield of 1.26%. E-loan jumped to the top recently after offering very low rates for a couple of years. Let's see if any other banks or credit unions start raising their 12 month rates to top E-loan.

Middlesex Savings Bank of Natick, Massachusetts, is offering regular certificates of deposit and Individual Retirement Account (IRA) certificates of deposit. Deposit terms range between 3 months and 71 months and the minimum opening deposit is $250 for both types of certificates of deposit.

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Your best defense against loss: Take inventory of items in home

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