IRAs

Individual Retirement Accounts (IRAs)

Peoples Security Bank and Trust provides both Traditional and Roth IRAs with fixed and variable terms at competitive interest rates. Terms and conditions vary. Please ask any PSBT Customer Service Representative for more information.

Full Disclosure of our individual retirement accounts is available upon request.

Our IRA rates are listed below for your convenience. Click on Rates to view the rates of our other interest bearing accounts.

APY = Annual Percentage Yield

 Account Type Interest Rate APY
2 Year - Minimum balance of $1,000.00 required 0.45 % 0.45 %
4 Year - Minimum balance of $1,000.00 required 0.80 % 0.80 %
6 Year - Minimum balance of $1,000.00 required 1.75 % 1.76 %
Variable IRA - Minimum balance of $50.00 required 0.08 % 0.08 %

Rates are subject to change. Rates and APYs are current as of April 22, 2014. You may contact any PSBT Office to obtain the most current rate and APY information. For variable rate accounts, rate may change after account opening. Minimum balance required to open/obtain APY. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Full disclosure for any specific account is available upon request.