Peoples Trust Co. of St. Albans Rates and Review March 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Peoples Trust Co. of St. Albans's 1-Month Certificate of Deposit rates are at 3.50%, 3-Month Certificate of Deposit rates are at 3.50%, 6-Month Certificate of Deposit rates are at 3.50%, IRA Certificates 1-Month rates are at 3.50%, IRA Certificates 3-Month rates are at 3.50%. Peoples Trust Co. of St. Albans's savings rates are at 0.10%. Peoples Trust Co. of St. Albans's money market rates are at 0.10%. Peoples Trust Co. of St. Albans's 15 Year Fixed Rate rates are at 5.00%, 10 Year Fixed Rate rates are at 5.25%, 30 Year Fixed Rate rates are at 5.38%, 20 Year Fixed Rate rates are at 5.38%, 15 Year Fixed Rate rates are at 5.38%. MonitorBankRates evaluates the financial stability of Peoples Trust Co. of St. Albans with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.62%. Rates were last updated on 03/05/2026.
Rate Updates and AvailabilityPeoples Trust Co. of St. Albans 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 Trust Co. of St. Albans? Share your experience about Peoples Trust Co. of St. Albans by leaving a review below, or read customer reviews before you decide to use Peoples Trust Co. of St. Albans. Peoples Trust Co. of St. Albans Texas RatioPeoples Trust Co. of St. Albans's Texas Ratio is at 3.62%, which is considered excellent. The Texas Ratio for Peoples Trust Co. of St. Albans 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. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Peoples Trust Co. of St. Albans has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Peoples Trust Co. of St. Albans is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 98/100
Peoples Trust Co. of St. Albans has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026 
Peoples Trust Co. of St. Albans CD Rates
Peoples Trust Co. of St. Albans Savings Rates
Peoples Trust Co. of St. Albans Money Market Rates
Peoples Trust Co. of St. Albans Mortgage Rates
Peoples Trust Co. of St. Albans Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Peoples Trust Co. of St. Albans 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 Trust Co. of St. Albans 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 Trust Co. of St. Albans's official website for the most current offers and terms.
Bank Profile & OverviewPeoples Trust Co. of St. Albans
25 Kingman StSaint Albans, VT 05478 Franklin Established Date: 11/12/1866 FDIC Certificate #: 14168 Date of FDIC Deposit Insurance: 04/02/1934 How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.ptcvt.com
Is Peoples Trust Co. of St. Albans FDIC Insured? Yes
What is Peoples Trust Co. of St. Albans's Cert number? 14168
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (98/100)
Texas Ratio:
3.62%
Return on Assets (ROA):
0.8471%
Return on Equity (ROE):
9.4200%
Non-Performing Loans (NPL):
0.29%
Total Assets:
$384,277,000
Total Deposits:
$339,187,000
Equity Capital:
$42,335,000
Net Income:
$4,143,000
Headquarters:
Saint Albans
Regulator:
FDIC
# of Offices:
5
Source: FDIC | Last Updated 12/31/2025
Customer Reviewsqayb
December 17, 2025
hLCi
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Frequently Asked Questions About Peoples Trust Co. of St. AlbansHow do I open an account at Peoples Trust Co. of St. Albans?You can typically open an account at Peoples Trust Co. of St. Albans by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Peoples Trust Co. of St. Albans provides a range of mortgage and home equity products. Is Peoples Trust Co. of St. Albans a safe place to deposit money?Yes, Peoples Trust Co. of St. Albans is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Peoples Trust Co. of St. Albans offer online and mobile banking?Most modern institutions like Peoples Trust Co. of St. Albans provide digital access including online balance checks and transfers. Compare to Other Banks |
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