What are the current interest rates at Peoples Credit Union Webster City, IA?

Current rates for Peoples Credit Union Webster City, IA include: 12-Month CD: 1.40%, 18-Month CD: 1.50%, 24-Month CD: 1.60%, 60-Month CD: 2.15%, Savings: 0.45%

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Peoples Credit Union Webster City, IA

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Peoples Credit Union Webster City, IA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples Credit Union Webster City, IA 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 3, 2026

Peoples Credit Union Webster City, IA's 6 Month CD rates are at 3.80%, 12 Month CD rates are at 3.55%, 60 Month CD rates are at 2.15%, 36 Month CD rates are at 1.90%, 24 Month CD rates are at 1.60%. Peoples Credit Union Webster City, IA's savings rates are at 0.45%. Peoples Credit Union Webster City, IA's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of Peoples Credit Union Webster City, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.63%. Rates last updated and verified on 09/03/2026.

Peoples Credit Union Webster City, IA 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 Credit Union Webster City, IA? Share your experience about Peoples Credit Union Webster City, IA by leaving a review below, or read customer reviews before you decide to use Peoples Credit Union Webster City, IA.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.63%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Peoples Credit Union Webster City, IA
Main Office

310 1st ST
Webster City, IA 50595-2337

https://www.peoples-credit-union.com/

Peoples Credit Union Webster City, IA CD Rates

Product	Rate	APY	Term
6 Month Certificate	-	3.80%	6 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
12 Month Certificate	-	3.55%	12 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
60 Month Certificate	-	2.15%	60 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
36 Month Certificate	-	1.90%	36 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
24 Month Certificate	-	1.60%	24 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
18 Month Certificate	-	1.50%	18 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
12 Month Certificate	-	1.40%	12 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
6 Month Certificate	-	1.20%	6 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
3 Month Certificate	-	0.60%	3 Month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Peoples Credit Union Webster City, IA Savings Rates

Product	Rate	APY
Christmas Club	-	0.60%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Savings Account	-	0.45%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Peoples Credit Union Webster City, IA Checking Rates

Product	Rate	APY
Advantage Checking Account	-	2.53%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Advantage Checking	-	2.50%
Min Deposit $100 Details Qualifications Required: 12 signature debit card purchases per statement; 1 direct deposit monthly; e-Statement enrollment Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Advantage Checking	-	0.20%
Min Deposit $100 Details Qualifications Required: 12 signature debit card purchases per statement; 1 direct deposit monthly; e-Statement enrollment; Qualifying accounts up to $10,000 receive bonus APY Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%
Standard Checking Account	-	0.20%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Peoples Credit Union Webster City, IA Credit Card Rates

Product	Rate	APR	View More
CLASSIC Mastercard	-	11.49%
Details Fixed rate, no annual fee, chip technology, local support, digital wallet compatible. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

Peoples Credit Union Webster City, IA Personal Loan Rates

Product	APR	Term	View More
Unsecured/Personal Loan	9.74%	18 Month or Less
Details As low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.63%

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 Credit Union Webster City, IA’s Texas Ratio fell from 17.97% in Q2 2023 to 10.63% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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
March 31, 2026	$94M	10.63%	5.0	A
December 31, 2025	$90M	19.54%	4.6	B
September 30, 2025	$91M	15.37%	5.0	A-
June 30, 2025	$92M	17.62%	4.8	B+
March 31, 2025	$92M	11.00%	5.0	A
December 31, 2024	$89M	13.83%	5.0	A
September 30, 2024	$91M	15.33%	5.0	A-
June 30, 2024	$91M	21.52%	4.5	B
March 31, 2024	$89M	13.79%	5.0	A
December 31, 2023	$88M	19.60%	4.6	B
September 30, 2023	$88M	14.05%	5.0	A-
June 30, 2023	$87M	17.97%	4.8	B+

Source: NCUA 5300 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 Credit Union Webster City, IA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Peoples Credit Union Webster City, IA 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 Credit Union Webster City, IA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peoples Credit Union Webster City, IA

Website https://www.peoples-credit-union.com/

Address 310 1st ST, Webster City, IA 50595-2337

Phone 515-832-6346

Fax 515-832-4877

President Jim Hay

CEO Jordan Hensley

Full-Time Employees 22

Part-Time Employees 1

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.63%

Return on Assets (ROA)

-0.0317%

Return on Equity (ROE)

-0.3110%

Non-Performing Loans Ratio (NPL)

1.89%

Total Assets

93,600,271

Total Amount of Shares and Deposits

83,067,951

Total Shares and Deposits < 1 Year

82,002,815

Total Shares and Deposits 1 3 Years

1,065,134

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,243,776

Total Uninsured Shares and Deposits > $250K (F+J)

5,243,776

Total Insured Shares and Deposits > $250K (item 17 less item K)

77,824,175

Total Interest Expense (Sum of items 6 8)

377,104

Share Certificates

772

Number of Accounts for Share Drafts

3,473

IRA KEOGH Accounts

210

Number of Accounts for Regular Shares

6,521

All other shares

Non Member Deposits

Money Market Shares

628

Net Income (unless the amount is already included in Undivided Earnings)

-29,657

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,041,600

Total Liabilities

84,062,836

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Peoples Credit Union Webster City, IA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Peoples Credit Union Webster City, IA

How many branches does Peoples Credit Union Webster City, IA operate?

Peoples Credit Union Webster City, IA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Peoples Credit Union Webster City, IA?

Yes, to access services at Peoples Credit Union Webster City, IA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Peoples Credit Union Webster City, IA 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 Credit Union Webster City, IA provides members with tools to manage their accounts and build a solid financial history.

Does Peoples Credit Union Webster City, IA offer online and mobile banking?

Most modern institutions like Peoples Credit Union Webster City, IA 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.peoples-credit-union.com/.