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Personal Banking

Get the rates, earnings and ease you need to live the life you want. Let us find the personal checking and savings accounts that work best for you.

banking building icon

Personal Banking

Get the rates, earnings and ease you need to live the life you want. Let us find the personal checking and savings accounts that work best for you.

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Individual Financial Solutions

When budgeting and putting aside funds – whether that means for daily living, a new car or your dream retirement – we want to put you on the right path. We provide a variety of personal banking options in savings accounts, checking accounts, certificates of deposit, retirement accounts and online banking to provide you convenience, security and peace of mind.

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Reorder Checks Today

It’s easy to reorder Peoples Federal Savings and Loans checks online. To do so, you’ll be leaving our site. We advise all customers to read and evaluate privacy and security policies of any website. You can also reorder checks at any one of our locations.

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Other Banking Services

  • Night Depository
  • Safety Deposit Boxes
  • Notary Services
  • Debit Cards
  • Direct Deposit
  • Card Valet

Available Savings Accounts

Economy Now Account

  • $100 minimum balance requirement
  • $7 monthly service fee if balance falls below the average daily balance of $100
  • 1 box of free standard checks at account opening
  • $.35 fee for each check paid

Now Account

  • $500 minimum balance requirement
  • $7 monthly service fee if balance falls below the average daily balance of $500
  • 1 box of free standard checks at account opening
  • 30 free checks paid per month, $.35 per check paid thereafter: this fee does not apply to customers 55 years old or older. (Please notify us of your eligibility)

Super Now Account

  • $1,000 minimum balance requirement
  • $6 monthly service fee if balance falls below the average daily balance of $1,000.00
  • 1 box of free standard checks at account opening
  • 30 free standard checks paid per month, $.35 per check paid thereafter
  • Tiered interest rates, paid monthly

Money Fund Account

  • $1,000 minimum balance requirement
  • $10 monthly service fee if balance falls below the average daily balance of $1,000
  • Transfers are limited to six per statement cycle
  • Tiered interest rates, paid monthly

Statement Savings Account

  • $100 minimum balance
  • Interest paid monthly
  • Maximum of six automatic transfers per month
  • $5 monthly service fee if balance falls below the average daily balance of $100

Passbook Savings Account

  • $25 minimum balance
  • Interest paid monthly
  • $5 monthly service fee if balance falls below the average daily balance of $25

Christmas Savings Account

  • $5 minimum balance
  • Interest paid monthly
  • Account pays out in October
  • No withdrawals permitted

Certificates of Deposit and IRAs

  • Fixed rate of interest
  • Flexible terms

How Much Will I Have?

Use our savings calculator to help you determine how much you can save over a period of time!

Current Rates

Certificates of Deposit

Account NameMinimum BalanceInterest RateAnnual Percentage Yield (APY)Compounding Method
6 Month$1,000.35 %.35 %NONE
*12 Month$1,0002.50 % - SPECIAL RATE2.50 % (1)NONE
*18 Month$1,000.45 %.45 % (2)DAILY
*24 Month$1,000.50 %.50 % (2)DAILY
*30 Month$1,000.60 %.60 % (2)DAILY
*36 Month$1,0002.66 % - SPECIAL RATE2.70 % (2)DAILY
*48 Month$1,000.90 %.90 % (2) DAILY
*60 Month$1,0001.00 %1.01 % (2)DAILY

For a limited time enjoy these special rates.

(*) These certificates are also available as an IRA Account.
(1) Annual percentage yield assumes monthly or quarterly withdrawal by check or transfer.
(2) Annual percentage yield assumes interest will remain on deposit until maturity. Any withdrawal will reduce earnings.

All certificates are subject to early withdrawal penalty.

Savings Accounts

Account NameMinimum BalanceInterest RateAnnual Percentage Yield (APY)Compounding Method
CHRISTMAS CLUB$5.00.05 %.05 %MONTHLY
SAVINGS PASSBOOK$25.00.05 %.05 %MONTHLY
STATEMENT SAVINGS$100.00.05 %.05 %MONTHLY
MONEY FUND ACCOUNT
TIER 1$25,000.15 %.15 %MONTHLY
TIER 2$10,000.10 %.10 %MONTHLY
TIER 3$1,000.05 %.05 %MONTHLY

Rates are subject to change at any time.

Checking Accounts

Account NameMinimum BalanceInterest RateAnnual Percentage Yield (APY)Compounding Method
ECONOMY N.O.W. ACCOUNT$100.00 %.00 %NONE
N.O.W. ACCOUNT$500.00 %.00 %NONE
SUPER N.O.W. ACCOUNT
TIER 1$15,000.15 %.15 %MONTHLY
TIER 2$5,000.10 %.10 %MONTHLY
TIER 3$1,000.05 %.05 %MONTHLY

Rates are subject to change at any time.
Please see a teller to request a Truth in Savings disclosure on the applicable terms and fees.
Accounts insured to $250,000 according to FDIC rules and regulations.