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Peoples State Bank Ellettsville, IN Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
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Bank & Credit Union Health Safety Ratings
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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.
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: October 14, 2026
Peoples State Bank Ellettsville, IN's top rates as of October 14, 2026 are 2.75% APY on its 36-Months 36-Month Certificate of Deposit, 2.15% APY on savings, 0.10% APY on checking, and 7.375% on its 15 Year Fixed Rate mortgage, according to rates verified by MonitorBankRates. Other Peoples State Bank Ellettsville, IN CD rates include 24-Months 24-Month Certificate of Deposit at 2.50%, 30-Months 30-Month Certificate of Deposit at 2.50%, and 48-Months 48-Month Certificate of Deposit at 2.50%. Other Peoples State Bank Ellettsville, IN mortgage rates include 30 Year Fixed Rate Mortgage at 7.625%, and PSB Mortgage - 30 Year Fixed at 7.625%. 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 10/14/2026.
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.
Peoples State Bank Ellettsville, IN has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Peoples State Bank Ellettsville, IN has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.12%
ExcellentLower than avg
Peoples State Bank Ellettsville, IN Texas Ratio
Peoples State Bank Ellettsville, IN's Texas Ratio is 1.12%, which is considered excellent and is lower than the national average of 5.85%.
Peoples State Bank Ellettsville, IN has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.00% to 1.12% over 12 quarters, very strongFull history
Star Rating 4.7 to 5.0, Health Grade A to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Peoples State Bank Ellettsville, IN CD Rates
Product
Rate
APY
Term
View More
36 Month Certificate of Deposit
2.71%
2.75%
36 Months
Min Deposit$500
DetailsCD rates compounded daily; rates effective as of September 17, 2026
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 5 times
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
DetailsCD rates compounded daily; rates effective as of September 17, 2026
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
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
DetailsCD rates compounded daily; rates effective as of September 17, 2026
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
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
DetailsCD rates compounded daily; rates effective as of September 17, 2026
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
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
DetailsCD rates compounded daily; rates effective as of September 17, 2026
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Peoples State Bank Ellettsville, IN Business Savings Rates
Product
Rate
APY
View More
Business Sweep Savings
2.13%
2.15%
Min Balance$250,000
DetailsBalance: Over $250,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Sweep Savings
1.49%
1.50%
Min Balance$100,000
DetailsBalance: $100,000.01 - $250,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Sweep Savings
0.75%
0.75%
Min Balance$30,000
DetailsBalance: $30,000.01 - $100,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Sweep Savings
0.05%
0.05%
Min Balance$15,000
DetailsBalance: $15,000.01 - $30,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Sweep Savings
0.03%
0.03%
Min Balance$5,000
DetailsBalance: $5,000.01 - $15,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Business Sweep Savings
0.01%
0.01%
DetailsBalance: Under $5,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Peoples State Bank Ellettsville, IN Checking Rates
Product
Rate
APY
View More
Prestige Checking Account
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000.01 and Up; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
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
DetailsBalance: $25,000.01 and Up
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Prestige Checking Account
0.07%
0.07%
Min Balance$15,000
DetailsBalance: $15,000.01 - $25,000.00; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.07% APY · checked 7 times
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
DetailsBalance: $15,000.01 - $25,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.07% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Prestige Checking Account
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000.00 - $7,500.00; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
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
DetailsBalance: $1,000.00 - $7,500.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Prestige Checking Account
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.00 - $999.99; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Senior Prestige Checking Account
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.00 - $999.99
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 6 times
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
View More
15 Year Fixed Rate
7.375%
0
7.522%
15 years
DetailsPSB Mortgage Rates; Fixed-rate mortgage; Current posted rates as of 10/14/2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
30 Year Fixed Rate Mortgage
7.625%
0
7.718%
30 years
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.72% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
PSB Mortgage - 30 Year Fixed
7.625%
0
7.718%
30 years
No additional details.
Last Updated10/14/2026
Rate History
3 changes since Sep 24, 2026 · 7.47% → 7.72% ▲ 0.25 pts · high 7.72% / low 7.47%
Oct 14, 20267.72%▲ from 7.59%
Oct 12, 20267.59%▼ from 7.72%
Oct 1, 20267.72%▲ from 7.47%
Sep 24, 20267.47%first recorded
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
Term
View More
Prestige Money Market Checking Account and Prestige Savings Account
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0.00 - $999.99; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
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
DetailsBalance: $1,000.00 - $10,000.00; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
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
DetailsBalance: $10,000.01 - $25,000.00; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 7 times
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
DetailsBalance: $25,000.01 and over; $10.00 Per Month Service Charge if Balance is Below $1,000.00 per Statement Cycle
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
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 NamePeoples State Bank Ellettsville, IN
Bank Holding CompanyELLETTSVILLE BANCSHARES INC
Address
601 E Temperance St,
Ellettsville, IN 47429 · Monroe
Peoples State Bank Ellettsville, IN earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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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.
Current Peoples State Bank Ellettsville, IN Rates
12-Month CD2.25%
18-Month CD2.25%
24-Month CD2.50%
36-Month CD2.75%
48-Month CD2.50%
60-Month CD2.50%
Savings2.15%
Retrieved from our database of financial products. Rates subject to change.