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Peoples National Bank , N.A.


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.peoplesnationalbank.com
618-241-6500
520 South 42nd Street
Mount Vernon, IL 62864

Peoples National Bank , N.A. is headquartered in MOUNT VERNON and is the 37th largest bank in the state of Illinois. It is also the 627th largest bank in the nation. It was established in 1909 and as of March of 2025, it had grown to 278 employees at 24 locations. Peoples National Bank , N.A.'s CD rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3809
Year Established1909
Employees278
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD15.35%
Annual Interest Income$26.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.87B$1.72B
LoansQ1 2025vs Q1 2024$1.63B$1.51B
DepositsQ1 2025vs Q1 2024$1.68B$1.52B
Equity CapitalQ1 2025vs Q1 2024$158.7MM$141.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$19.6MM$17.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$11.7MM$12.3MM
Real Estate OwnedQ1 2025vs Q1 2024$1.4MM$1.5MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples National Bank , N.A. Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.43%*$10k*-Health Savings Account
OTHER TIERS: 0.38% → $0 - $1k | 0.41% → $1k - $10k
0.42%$0-Statement Savings
0.42%$0-Little Peoples Savings
0.42%$5-Christmas Savers
0.40%*$0$10kCha-CHING $aver
OTHER TIERS: 0.15% → $10k+

Peoples National Bank , N.A. Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-Preferred Money Market
OTHER TIERS: 0.48% → $1k - $10k | 0.49% → $10k - $25k

Peoples National Bank , N.A. Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*$0$10kCha-CHING Ca$h
OTHER TIERS: 0.15% → $10k+
0.49%*$10k*-Peoples Prime 50
OTHER TIERS: 0.48% → $500 - $10k
0.49%$1k-Peoples Select Checking

Peoples National Bank , N.A. CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-12 Month CD Special
3.50%$500-Business 12 Month CD Special
3.00%$500-6 Month CD Special
3.00%$500-Business 6 Month CD Special
2.24%*$100k*-60+ Month CD
OTHER TIERS: 1.91% → $500 - $10k | 2.15% → $10k - $100k
2.24%*$100k*-Business 60+ Month CD
OTHER TIERS: 1.91% → $500 - $10k | 2.15% → $10k - $100k
2.05%*$100k*-48-59 Month CD
OTHER TIERS: 1.76% → $500 - $10k | 1.95% → $10k - $100k
2.05%*$100k*-Business 48-59 Month CD
OTHER TIERS: 1.76% → $500 - $10k | 1.95% → $10k - $100k
1.84%*$100k*-36-47 Month CD
OTHER TIERS: 1.62% → $500 - $10k | 1.74% → $10k - $100k
1.84%*$100k*-Business 36-47 Month CD
OTHER TIERS: 1.62% → $500 - $10k | 1.74% → $10k - $100k
1.72%$500-60 Month Trade Up CD Special
1.72%$500-Business 60 Month Trade Up CD Special
1.68%*$100k*-24-35 Month CD
OTHER TIERS: 1.50% → $500 - $10k | 1.58% → $10k - $100k
1.68%*$100k*-Business 24-35 Month CD
OTHER TIERS: 1.50% → $500 - $10k | 1.58% → $10k - $100k
1.62%$500-48 Month Trade Up CD Special
1.62%$500-Business 48 Month Trade Up CD Special
1.54%*$100k*-18-23 Month CD
OTHER TIERS: 1.47% → $500 - $10k | 1.49% → $10k - $100k
1.54%*$100k*-Business 18-23 Month CD
OTHER TIERS: 1.47% → $500 - $10k | 1.49% → $10k - $100k
1.52%*$100k*-6 - 11 Month CD
OTHER TIERS: 1.43% → $500 - $10k | 1.48% → $10k - $100k
1.52%*$100k*-12-17 Month CD
OTHER TIERS: 1.45% → $500 - $10k | 1.49% → $10k - $100k
1.52%*$25k*-10 Month 3 in 1 CD Special
OTHER TIERS: 1.42% → $500 - $10k | 1.47% → $10k - $25k
1.52%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 1.43% → $500 - $10k | 1.48% → $10k - $100k
1.52%*$100k*-Business 12-17 Month CD
OTHER TIERS: 1.45% → $500 - $10k | 1.49% → $10k - $100k
1.52%*$25k*-Business 10 Month 3 in 1 CD Special
OTHER TIERS: 1.42% → $500 - $10k | 1.47% → $10k - $25k
1.52%$500-36 Month Trade Up CD Special
1.52%$500-Business 36 Month Trade Up CD Special
1.45%*$100k*-3 - 5 Month CD
OTHER TIERS: 1.37% → $500 - $10k | 1.44% → $10k - $100k
1.45%*$100k*-Business 3 - 5 Month CD
OTHER TIERS: 1.37% → $500 - $10k | 1.44% → $10k - $100k
1.44%$500-12 Month HSA CD
1.43%*$100k*-1 - 2 Month CD
OTHER TIERS: 1.37% → $500 - $10k | 1.38% → $10k - $100k
1.43%*$100k*-Business 1 - 2 Month CD
OTHER TIERS: 1.37% → $500 - $10k | 1.38% → $10k - $100k

Peoples National Bank , N.A. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$100-12 Month IRA Special
1.96%$100-60 Month Fixed Rate IRA
1.76%$100-48 Month Fixed Rate IRA
1.55%$100-24 Month Fixed Rate IRA
1.52%$100-18 Month Variable Rate IRA
1.48%$100-18 Month Fixed Rate IRA
1.43%$100-12 Month Fixed Rate IRA
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