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Routing Number: 081206328

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Personal Savings Accounts

Saving for the future starts with choosing the right account. Peoples State Bank offers a variety of personal savings options designed to help you build financial security—whether you’re preparing for unexpected expenses, planning for medical needs, or investing for long‑term goals. Each account provides dependable value, competitive rates, and the flexibility you need to manage your money confidently.

Personal Savings

A simple, flexible savings account ideal for building a financial cushion while keeping your funds easily accessible.


Best for

  • Starting a savings plan with a modest initial deposit

  • Keeping funds liquid rather than locked into a CD

  • Building a “rainy day” reserve

  • Earning a reasonable interest rate without complex requirements

This account offers straightforward savings with the convenience and accessibility you need.


Money Market Deposit Account (MMDA)

A higher‑yield savings option for customers who want competitive interest rates while maintaining access to their funds.


Best for

  • Holding funds not needed for daily expenses

  • Earning tiered interest rates that increase with higher balances

  • Maintaining liquidity without committing to a CD term


Key Features

  • Competitive, tiered interest rates

  • Easy access to funds

  • Minimum opening deposit of $2,500

The MMDA is a smart choice for customers seeking both flexibility and stronger earning potential.


Health Savings Account (HSA)

A tax‑advantaged account designed to help individuals and families manage medical expenses with confidence.


Best for

  • Paying health insurance deductibles, co‑pays, and qualified medical expenses

  • Setting aside tax‑exempt funds for current or future healthcare needs

  • Individuals with high‑deductible health plans

  • Employers wishing to contribute to employee HSAs


Key Features

  • Tax‑exempt contributions

  • Funds roll over year to year

  • Can be used for qualified medical, dental, and vision expenses

  • Owned by the individual, with optional employer contributions

An HSA helps you prepare for healthcare costs today while building savings for tomorrow.


Certificates of Deposit (CDs)

A secure, fixed‑rate investment option offering guaranteed returns over a set term.


Best for

  • Customers seeking predictable earnings

  • Saving for medium‑ or long‑term goals

  • Locking in competitive interest rates

  • Those who prefer guaranteed returns over market‑based accounts


Key Features

  • Fixed interest rates

  • Terms ranging from 90 days to five years

  • Guaranteed return over the investment period

CDs provide stability and confidence for customers looking to grow their savings with a defined timeline.


Build Your Savings with Confidence

Whether you’re preparing for emergencies, planning for medical expenses, or investing for the future, Peoples State Bank offers savings solutions designed to support your goals. Our team is here to help you choose the account that fits your needs.