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Rates

*TruBlue Rewards Checking

Rate TiersInterest RateAPY*
Balances up to $15,0001.01%

If statement cycle qualifications are met.

1.01%

If statement cycle qualifications are met.

Balances over $15,0000.15%

If statement cycle qualifications are met.

0.15%

If statement cycle qualifications are met.

Base rate 0.10%

When statement cycle qualifications are not met.

0.10%

When statement cycle qualifications are not met.

Minimum to open account is $100.00.

*Annual Percentage Yield (APY) accurate as of May 4, 2015. $100 deposit is required to open this account. No minimum balance is required to obtain the account's rewards. There are no recurring monthly service fees associated with this account. When qualifications are met during the Monthly Qualification Cycle, you receive 1.01% APY on balances up to $15,000, and balances over $15,000 earn 0.15% APY on the portion of the balance over $15,000 resulting in a range from 1.01% APY – 0.26% APY depending on the balance. In addition, account will receive reimbursements up to $25 (up to $4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. If qualifications are NOT met during the Monthly Qualification Cycle, all balances earn 0.10% APY and nationwide ATM fees are not reimbursed. Transactions and activities may take one or more business days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card transactions processed by merchants and received by Peoples Bank as ATM transactions. Monthly Qualification Cycle is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current Statement Cycle. Statement Cycle begins on the second business day of the month and ends on the first business day of the following month. If you have a TruBlue Rewards Saver account linked to your TruBlue Rewards Checking account, the interest does not compound in that account since it is transferred into the TruBlue Rewards Saver account. The TruBlue Rewards Saver APY may be less than the TruBlue Rewards Checking APY. We use the daily collected balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to your account every month on the last day of the current Statement Cycle, as assumed by the APY disclosed above. Interest begins to accrue no later than when we receive credit on non-cash items (for example, checks). The interest rate and annual percentage yield (APY) may change at any time. There is a limit of 1 account per social security number. This account is not to be used for commercial purposes. If you close your account before interest is credited, you will not receive the accrued interest and you will forfeit any rewards that have not been credited to your account. Enrollment in electronic services (e.g. online banking, electronic statements) will be required to meet some of this account's qualifications. Fees may reduce earnings.

*TruBlue Rewards Saver

Rate TiersInterest RateAPY*
Entire Balance

If statement cycle qualifications are met in Possibilities Checking.

0.35%

If statement cycle qualifications are met in Possibilities Checking.

0.35%

If statement cycle qualifications are met in Possibilities Checking.

Entire Balance

If statement cycle qualifications are not met in Possibilities Checking.

0.10%

If statement cycle qualifications are not met in Possibilities Checking.

0.10%

If statement cycle qualifications are not met in Possibilities Checking.

*Annual Percentage Yield (APY) accurate as of May 4, 2015. Must have TruBlue Rewards Checking account to qualify rto have TruBlue Rewards Saver Account. $100 deposit is required to open this account. No minimum balance is required to obtain the account's rewards. There are no recurring monthly service fees associated with this account. When qualifications are met in your TruBlue Rewards Checking account during the Monthly Qualification Cycle: (1) your TruBlue Rewards Checking receives 1.01% APY on balances up to $15,000, and balances over $15,000 earn 0.15% APY on the portion of the balance over $15,000 resulting in a range from 1.01% APY – 0.26% APY depending on the balance; (2) your TruBlue Rewards Saver receives 0.35% APY on all balances; and (3) you receive reimbursements up to $25 (up to $4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. If qualifications are NOT met during the Monthly Qualification Cycle, all balances on your TruBlue Rewards Checking and Saver accounts earn 0.10% APY and nationwide ATM fees are not reimbursed. Transactions and activities may take one or more business days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card transactions processed by merchants and received by Peoples Bank as ATM transactions. Monthly Qualification Cycle is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current Statement Cycle. Statement Cycle begins on the second business day of the month and ends on the first business day of the following month. If you have a TruBlue Rewards Saver account linked to your TruBlue Rewards Checking account, the interest does not compound in that account since it is transferred into the TruBlue Rewards Saver account. The TruBlue Rewards Saver APY may be less than the TruBlue Rewards Checking APY. We use the daily collected balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to your account every month on the last day of the current Statement Cycle, as assumed by the APY disclosed above. Interest begins to accrue no later than when we receive credit on non-cash items (for example, checks). The interest rate and annual percentage yield (APY) may change at any time. Transfers from your TruBlue Rewards Saver to another account or to third parties by preauthorized, automatic, telephone, mobile banking or computer transfer are limited to six per calendar month with no transfers by check, draft, debit card or similar order to third parties. There is no limit on the number of withdrawals or transfers between your Peoples Bank accounts in person or at an ATM. Excess withdrawals may result in your account being closed. There is a limit of 1 account per social security number. This account is not to be used for commercial purposes. If you close your account before interest is credited, you will not receive the accrued interest and you will forfeit any rewards that have not been credited to your account. Enrollment in electronic services (e.g. online banking, electronic statements) will be required to meet some of this account's qualifications. Fees may reduce earnings.

Prestige Checking

BalanceAPY*
$300.000.05%
$10,0000.10%
$20,0000.10%
$50,0000.15%

First Rate Checking and Prestige Checking Account (50 years of age and older) require a minimum $1,000 to open and $1,000 minimum to avoid monthly service fees. This is a variable rate account. APYs (Annual Percentage Yield) are accurate as of March 1, 2012 and are subject to change, including after account opening. Fees and withdrawals could reduce earnings.

Statement Savings (Personal & Business)

BalanceAPY*
$300 & Up0.10%

Savings account requires a minimum $100 to open and $300 minimum to earn interest and avoid monthly service fees. This is a variable rate account. APY (Annual Percentage Yield) is accurate as of January 4, 2011 and is subject to change thereafter, including after account opening. Fees and withdrawals could reduce earnings.

Commercial Checking With Interest

BalanceAPY*
All Balances0.05%

Commercial Checking With Interest requires a minimum $250 to open. This is a variable rate account. *APYs (Annual Percentage Yields) are accurate as of July 1, 2014 and are subject to change, including after account opening. Fees and withdrawals could reduce earnings.

Money Market

BalanceAPY*
$0 - $9,999.990.05%
$10,000 - $24,999.990.05%
$25,000 - $49,999.990.10%
$50,000 and up0.15%

Money Market account requires a minimum $2,500 to open and $2,500 minimum to avoid monthly service fees. This is a variable rate account. APYs (Annual Percentage Yield) are accurate as of July 1, 2014 and are subject to change, including after account opening. Fees and withdrawals could reduce earnings.

IRA 18 Month Variable

BalanceAPY*
$250.00 & up0.15%

18-Month IRA Certificate of Deposit requires a minimum of $250 to open. This is a variable rate account. APY (Annual Percentage Yield) is accurate as of July 1, 2012 and is subject to change, including after account opening. Withdrawals could reduce earnings. Early withdrawal penalties may be imposed for withdrawals before maturity.

You may make additional contributions to your IRA as is allowable by IRS contribution limitations.

This account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. You can prevent renewal if you withdraw the funds in that account at maturity or within the grace period or we receive written notice from you within the grace period. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Home Equity Lines of Credit (HELOC)

BalanceTerm (Years)APR*
Lines $10,000 to $24,99974.000%
Lines $25,000 to $49,99974.000%
Lines $50,000 to $99,99974.000%
Lines $100,000 and up74.000%

The Rate floats based on the highest Prime Rate published in the Money Section of the Wall Street Journal on the first day of the month. The cap is 18%. The Floor is 4.0%. The minimum allowed advance is $500. Higher rates may apply if the loan to value is greater than 80%. Interest only monthly payments may result in a balloon balance due at maturity. No borrower closing or origination costs for lines $25,000 or greater. Minimum line is $5,001. Lines less than $25,000 require borrower paid closing or origination costs, generally ranging from $150 to $500. All lines have an annual fee of $20 beginning in the second year. Hazard Insurance is required and flood insurance may be required. Terms of this line apply to owner occupied 1-4 family residence non-purchase transactions. Interest may be deductible, consult your tax advisor. Rates and terms are subject to change.