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Peoples State Bank

Livingston
2700 Hwy 190 West
PO Box 1800
Livingston, TX 77351
T: (936) 967-2323
F: (936) 967-2424
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Shepherd
5850 Hwy 59 South
PO Box 1287
Shepherd, TX 77371
T: (936) 628-3312
F: (936) 628-6658
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Coldspring
15001 Hwy 150 W
Coldspring, TX 77331
T: (936) 653-5193
F: (936) 653-5196
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Certificates of Deposit - Fixed Rate

Are you looking for a higher interest rate than traditional savings accounts can offer? A Certificate of Deposit (CD) is perfect for you because it allows you to lock in your deposit for a specified period of time and allows higher yields on your money, depending on the length of the term.


Traditional CDs

  • $1000.00 Minimum deposit
  • The greater the balance, the greater the interest
  • Automatic renewal or single maturity
  • Terms between 32 days and 60 months
  • Interest may be transferred to a PSB checking, savings, or money market account—or paid directly to you by check

Rate Riser CD

  • $1000.00 Minimum deposit
  • Automatic renewal or single maturity
  • Term of 36 months
  • Allows you to take advantage of higher interest by allowing you to “raise” to a higher rate one time during the term of the CD
  • Interest may be transferred to a PSB Checking, savings, or money market account—or paid directly to you by check.

Individual Retirement Accounts (IRAS)

Planning the retirement of your dreams? Then it is time to explore the many options of an IRA. Tax-deferred savings on the interest you earn will help you to prepare to make withdrawals, typically at age 59½.

  • $250.00 Minimum deposit
  • Automatic maturity
  • Terms of 12 months, 18 months, 3 years and 4 years
  • Unlimited deposits into your account. The minimum amount you can deposit is $100.00
  • Principal withdrawn before maturity will result in penalty and reduce earnings

Please contact a customer service representative for current rates and terms. A penalty will be imposed for early withdrawal. Fees could reduce the earnings on the account.

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