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Savings

SAVINGS

Let's save a lot of money together. It only takes $5 to start. 

savings accounts 

MEMBERSHIP SAVINGS

  • $5 minimum balance required to open
  • Convenient access to funds using HomeBranch™ and our Mobile App
  • Dividends paid monthly on existing balance

  EVERYDAY SAVINGS

  • An account you can open in addition to your Membership Savings
  • Designed to help you save for emergencies, projects or even trips*
  • Pays a dividend rate

Make up to six (6) pre-authorized, automatic or telephone transfers per month (no more than three (3) of these may be made by check, draft or debit card) before incurring a $5.00 Excessive Withdrawal Fee. 

CERTIFICATES

When you're ready, take a step up in savings. Certificates are term-length savings accounts that offer a greater yield for a higher deposit in exchange for less access to funds. 

  • Terms available from 3 to 60 months
  • $1,000 minimum opening deposit
  • See our current Certificate rates 

MONEY MARKET ACCOUNTS

Go all in on your membership and your savings. Our Money Market accounts offer you more accessibility and more benefits than the traditional Certificate - all while giving members a more competitive Annual Percentage Yield. 

Our accounts reward members for taking advantage of additional People’s Trust products and services. The more points you have, the higher your APY is. One (1) point can be earned monthly for each of the following:

  • A loan balance over $1,000
  • Five (5) signature based debit card transactions in the prior month 
  • Checking balance over $1,000
  • Direct Deposit or payroll deduction
  • Active user of Bill Pay
  • Receives e-Statements 
  • Membership with the credit union of 20 years or more 
  • A Membership Savings account
  • Certificate account over $1,000
  • Credit Card balance over $1,000
  • Line of Credit with a balance over $1,000

The three levels of Money Market points are:

  • Classic - 1-2 points
  • Gold - 3-5 points
  • Premier - More than 6 points

View our current Money Market rates

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)

We’d like to give you an early retirement gift: retirement. An IRA is a personal, tax-deferred investment plan designed to help you save for and enjoy, a comfortable retirement. 

We offer three choices of IRAs to fit your needs and lifestyle:

You should consult your tax adviser before investing in an Individual Retirement Account of any kind. 

PEOPLE’S TRUST investment SERVICES

Some retirement planning takes more than you can handle on your own. Through People’s Trust Investment Services, we offer you the ability to take full control of your long-term financial options to create a fully customized plan that fits your priorities. 

Learn more about People's Trust Investment Services.

CURRENT SAVINGS RATES

Rates

Savings Accounts
Account Type APY* Dividend Rate
Membership Savings 0.10% 0.10%
Everyday Savings 0.10% 0.10%
IRA Contributory** 0.25% 0.25%

*APY = ANNUAL PERCENTAGE YIELD
** Includes Traditional, Roth, Educational and SEP Contributory IRAs. Click to view Disclosures and Fees for more information.

Checking Accounts
Account Type Balance to Earn Dividends APY* Dividend Rate
Simple Checking N/A N/A N/A
Secure Checking N/A N/A N/A
Premier Checking <$2,500
>$2,500
0.02%
0.05%
0.02%
0.05%

*APY=Annual Percentage Yield. Click to view Disclosures & Fees

classic money market
tier balance APY*
Tier I $2,500 - $24,999.99 0.26%
Tier II $25,000 - $99,999.99
0.31%
Tier III $100,000 and above
0.36%

*APY=Annual Percentage Yield. See disclosures for additional information about Rate Differentiation, Points and Balance Information. 

gold money market
tier balance APY*
Tier I $2,500 - $24,999.99
0.28%
Tier II $25,000 - $99,999.99
0.33%
Tier III $100,000 and above
0.38%

People’s Trust Gold Money Market requires a total of 3 - 5 People’s Trust points. 

One point can be earned monthly for any of the following: 

  • A loan balance over $1,000
  • 5 signature based debit card transactions in the prior month
  • Checking balance over $1,000
  • Direct Deposit or payroll deduction
  • Active user of Bill Payer service
  • Receiving E-Statements
  • Membership with the credit union of 20 years or more
  • A Membership Savings Account
  • A Money Market Account
  • Certificate Account over $1,000
  • Credit Card Balance over $1,000
  • Line of Credit with a Balance over $1,000

*APY=Annual Percentage Yield. See disclosures for additional information about Rate Differentiation, Points and Balance Information

premier money market

tier balance APY*
Tier I $2,500 - $24,999.99
0.30%
Tier II $25,000 - $99,999.99
0.35%
Tier III $100,000 and above
0.40%

People’s Trust Premier Money Market requires a total of at least 6 People’s Trust Points. One point can be earned monthly for any of the following:

  • A loan balance over $1,000
  • 5 signature based debit card transactions in the prior month
  • Checking balance over $1,000
  • Direct Deposit or payroll deduction
  • Active user of Bill Payer service
  • Receiving E-Statements
  • Membership with the credit union of 20 years or more
  • A Membership Savings Account
  • A Money Market Account
  • Certificate Account over $1,000
  • Credit Card Balance over $1,000
  • Line of Credit with a Balance over $1,000

*APY=Annual Percentage Yield. See disclosures for additional information about Rate Differentiation, Points and Balance Information. 

Certificate Rates (3 Months)
$1,000 - $9,999.99 0.33% APY
$10,000 - $24,999.99 0.35% APY
$25,000 - $49,999.99 0.37% APY
$50,000 - $99,999.99 0.39% APY
$100,000 and above 0.41% APY
Certificate Rates (6 Months)
$1,000 - $9,999.99 0.63% APY
$10,000 - $24,999.99 0.65% APY
$25,000 - $49,999.99 0.67% APY
$50,000 - $99,999.99 0.69% APY
$100,000 and above 0.71% APY
Certificate Rates (9 Months)
$1,000 - $9,999.99 0.73% APY
$10,000 - $24,999.99 0.75% APY
$25,000 - $49,999.99 0.77% APY
$50,000 - $99,999.99 0.79% APY
$100,000 and above 0.81% APY
Certificate Rates (12 Months)
$1,000 - $9,999.99 0.83% APY
$10,000 - $24,999.99 0.85% APY
$25,000 - $49,999.99 0.87% APY
$50,000 - $99,999.99 0.89% APY
$100,000 and above 0.91% APY
Certificate Rates (18 Months)
$1,000 - $9,999.99 1.01% APY
$10,000 - $24,999.99 1.03% APY
$25,000 - $49,999.99 1.05% APY
$50,000 - $99,999.99 1.07% APY
$100,000 and above 1.09% APY
Certificate Rates (24 Months)
$1,000 - $9,999.99 1.18% APY
$10,000 - $24,999.99 1.20% APY
$25,000 - $49,999.99 1.22% APY
$50,000 - $99,999.99 1.24% APY
$100,000 and above 1.26% APY
Certificate Rates (36 Months)
$1,000 - $9,999.99 1.48% APY
$10,000 - $24,999.99 1.50% APY
$25,000 - $49,999.99 1.52% APY
$50,000 - $99,999.99 1.54% APY
$100,000 and above 1.56% APY
Certificate Rates (48 Months)
$1,000 - $9,999.99 1.69% APY
$10,000 - $24,999.99 1.71% APY
$25,000 - $49,999.99 1.73% APY
$50,000 - $99,999.99 1.75% APY
$100,000 and above 1.77% APY
Certificate Rates (60 Months)
$1,000 - $9,999.99 2.00% APY
$10,000 - $24,999.99 2.02% APY
$25,000 - $49,999.99 2.04% APY
$50,000 - $99,999.99 2.06% APY
$100,000 and above 2.08% APY

APY=Annual Percentage Yield. Click to view disclosures

auto loans
new autos term APR1
Up to 100% Financing 0 - 84 Months 2.24%* - 18.00%

Click here to apply for your new auto loan.

pre-owned autostermAPR1
Up to 100% Financing0 - 84 Months2.24%* - 18.00%


first-time buyer new/usedtermAPR1
Up to 90% Financing0 - 60 Months14.99%

Click here to apply for your pre-owned auto loan

*Floor auto loan rate is 2.24% APR and does not apply to first time car buyers. Maximum term of 36 months for 2.24% APR. Rates and terms may vary and are subject to normal credit, underwriting and collateral value guidelines. Auto discounts may apply for GAP, Warranty and/or Debt Protection. Rates and terms subject to change without notice.

motorcycle loans
type term APR1
New & Used Up to 72 Months 3.99% - 5.49%

Motorcycle financing is only available when purchased through a dealership. 

Click here to apply for your motorcycle loan

MOTORCYCLE LOAN CALCULATORS

Compare what the dealer is offering you to what we can help you with using our Dealer vs CU Financing Calculator. You can also use our Motorcycle Loan Calculator to find the best payment for you.

credit cards
card Type APR1 card limit
VISA Platinum** 7.90% - 17.90%*$300 - $25,000
MasterCard Rewards 6.99% - 17.24%***$300 - $35,000

Monthly payment is 2% of principal or $18, unless the balance is less than $18.00.

* Depending on your credit score.
**Secured VISA available at 11.90%.
*** Variable rate based on Prime + 2.74-13.24

lines of credit
ready cash line of credit APR1 term
Up to $35,000 12.70% - 18.00%Open

*Rates above apply to existing accounts only. Ready Cash no longer available as new account.

Money management line of creditAPR1term
Up to $35,0009.25% - 16.25%Open

Based on a current Wall Street Journal Prime Rate 

Personal Unsecured Loans
loan amountAPR1term
Up to $35,0008.01% - 18.00%Up to 60 Months

APR = Annual Percentage Rate

Other personal LOANS

type APR1term
Certificate Secured 3.00% Above Index Up to Maturity Date of Certificate
Share Secured 3.00% Above Index0 - 120 Months
Personal Computer8.75% - 18.00% Up to 36 Months


boat LOANS

type APR1 term
New & Used 3.99% - 18.00%Up to 120 Months

Boat financing is only available when purchased through a dealership.

mortgages 

People’s Trust is now able to get you quicker pre approvals, better rates, and a more streamlined process between the application and your closing date. 

We can help you with a full menu of competitive mortgage programs that include:  

Click here to explore rates, apply now or make a payment!


1 APR = Annual Percentage Rate