person filling out check

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

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 renewal
  • Terms between 1 year and 5 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  • Principal withdrawn before maturity will result in penalty and reduce earnings

IRAs are subject to additional IRS tax requirements.

Rate Information

Please contact a New Accounts Representative or branch location nearest you for our current rates and Annual Percentage Yields (APY) information. Rates and/or terms and conditions are subject to change at any time, without prior notice at Peoples State Bank’s discretion and/or as required or allowed by law. Fees, withdrawals and/or penalties could reduce the earnings on the account.


Peoples State Bank

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