People First rates: up to 4.15% APY
credit union · NCUA CHARTER 6885 · www.peoplefirst.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Holiday Account (S2) | $0 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account (S5) | None | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | Special Account (S6) · $0 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account (S1) | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Saver Account | $0.00 – 2,499.99 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Saver Account | $2,500 - $4,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Saver Account | $5,000 - $9,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Saver Account | $10,000+ or greater. | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Vacation Account (S3) | $0 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 8-Month CD | 8 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 months | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | 15 months | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 months | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24 months | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 30-Month CD | 30 months | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 months | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48 months | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60 months | 3.35% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0 - $2,499.99 | 0% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500 - $9,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000 - $24,999.99 | 1.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 - $74,999.99 | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $75,000 - $249,999.99 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000 - $999,999.99 | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000,000+ | 2.30% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Hometown Hero Checking | $0.00 - $25,000 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Hero Checking | $25,000.01 - or Greater | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.peoplefirst.com/rates/ | 2026-11-01 22:33 UTC | ok | 95b592741318 |
| www.peoplefirst.com/personal/save/certificates/ | 2026-11-01 23:53 UTC | ok | 270af1963912 |
| www.peoplefirst.com/bank/save/certificates/ | 2026-11-01 23:53 UTC | ok | 270af1963912 |