*Annual percentage yield (APY) is accurate as of 09/09/2026. Rates are subject to change at any time without notice. There are no recurring monthly service fees associated with this account. Fees may reduce earnings. Transactions and activities may take one or more business days from the date they 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 recorded by Peoples Bank as ATM transactions. The Monthly Qualification Cycle and Statement Cycle begin on the first business day of the month and end on the last business day of the month. If you have a RewardsPLUS Saver account linked to your RewardsPLUS Checking account, the interest does not compound in that account since it is transferred into the RewardsPLUS Saver account. The RewardsPLUS Saver APY may be less than the RewardsPLUS Checking APY. No minimum balance is required to obtain the account's rewards. There is a limit of 1 account per Social Security number. This account is not to be used for commercial purposes. Enrollment in electronic services (e.g., online banking, electronic statements) will be required to meet some of this account's qualifications.
Account is no longer being opened.
No disclosure is needed at this time.
No disclosure is needed at this time.
*Annual Percentage Rate (APY) is accurate as of 09/09/2026. Rates are subject to change at any time without notice. We use the daily collected balance method to calculate interest on 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 on the last day of the current statement cycle. The APY assumes monthly compounding on business checking. Interest begins to accrue no later than when we receive credit on non-cash items (for example, checks). Fees may reduce earnings.
*Annual Percentage Yield (APY) is accurate as of 09/09/2026. Rates are subject to change at any time without notice. Must have a RewardsPLUS Checking account in order to qualify for a RewardsPLUS Saver account. No minimum balance is required to obtain the account's rewards. There are no recurring monthly service fees associated with this account. Fees may reduce earnings. Transactions and activities may take one or more business days from the date they occurred to post and settle to the account. See the RewardsPLUS Checking account for details. The Monthly Qualification Cycle and the Statement Cycle begin on the first business day of the month and end on the last business day of the month. If you have a RewardsPLUS Saver account linked to your RewardsPLUS Checking account, the interest does not compound in that account since it is transferred into the RewardsPLUS Saver account. The RewardsPLUS Saver APY may be less than the RewardsPLUS Checking APY. There is a limit of 1 account per social security number. This account is not to be used for commercial purposes. Enrollment in electronic services (e.g., online banking, electronic statements) will be required to meet some of this account's qualifications.
Account is no longer being opened.
No disclosure is needed at this time.
*Annual Percentage Yield (APY) is accurate as of 09/09/2026. Rates are subject to change at any time without notice. The APY is paid on the entire balance in your account. A $25,000 deposit of “new money” is required to open this account. New money is defined as money that is not currently on deposit at Peoples Bank. Interest will be compounded and credited to your account on the last day of the current Statement Cycle, as assumed by the disclosed APY. We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the date we receive credit for non-cash items (for example, checks). There are no recurring monthly service fees associated with this account. If there are more than 10 withdrawals of any type each month, there will be a $1 charge for each transaction that exceeds 10. Fees may reduce earnings. If you close your account before interest is credited, you will not receive the accrued interest.
No disclosure is needed at this time.
Introductory rate of 0% Annual Percentage Rate (APR) is fixed for the first 90 days. After 90 days, the following variable rates would apply: 5.70% APR for line limits of $100,000 or more; 6.20% APR for line limits of $50,000 to $99,999; and 6.65% APR for line limits of $25,000 to $49,999. The floor is 3.75% APR with a ceiling of 18% APR. The APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal +/- a margin. The margin is based on your total line limit. As of December 11, 2025 the Prime Rate was 6.75%. The annual maintenance fee is $20. The minimum line of credit to receive the introductory rate and qualify for no closing costs is $25,000. HELOC must be new money to the bank. For requests under $25,000, other HELOC options are available. Collateral cannot be classified as a manufactured or mobile home. Owner-occupied primary residence in the State of Illinois only. Homeowners insurance is required. Minimum payment may result in a balloon payment at maturity. Rates and APRs are subject to change without notice. Subject to credit approval. We reserve the right to discontinue this offer at any time. Other terms and conditions may apply. Please call for details.
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures set forth in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi, ICS, CDARS, and Certificate of Deposit Account Registry Service are registered service marks, and IntraFi Cash Service is a service mark of IntraFi Network LLC.
*Card Processing Services available through Elavon Inc ©. © 2026 Elavon, Inc. Elavon is a registered trademark in the United States and/or other countries. All rights reserved. Offer subject to change without notice.
Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at www.fhlbc.com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.
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