CDs and IRAs

Home Personal CDs and IRAs

Save For the Future and Your Retirement

Whether you want to put a little bit of money away to save for something in the future, or you want to start regularly saving so you can live the way you want in your retirement, Peoples State Bank can help.

Certificates of Deposit

Grow your money quickly by putting funds in a Certificate of Deposit (CD) for a predetermined period of time. Peoples State Bank offers competitive rates with terms available from 3 months to 60 months. Here's what you need to know about our CDs:

  • $1,000 minimum to open account
  • Competitive interest rates
  • Early withdrawal penalty may apply
  • Automatic renewal options available
  • FDIC-insured to the maximum allowed by law


You don't want to work forever. You want to be able to enjoy your golden years while living comfortably. With an Individual Retirement Account (IRA) from Peoples State Bank, you can start saving for your retirement today!

We offer Traditional and Roth IRAs, and you only need $500 to open your IRA account and get started.

Consult with your tax advisor to help you choose the plan that fits you best. To learn more about our IRA options, please contact your local branch.