Peoples Trust Company of St. Albans: Savings Accounts, CDs, Money Market & Rates

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Updated: 8/19/2026

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Mission: Banksparency aims to make Peoples Trust Company of St. Albans' deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Peoples Trust Company of St. Albans

Our verdict

CD Analysis

Peoples Trust Company of St. Albans offers CDs paying up to 3.50% APY on its 6 months term, across 9 term lengths.

Tracking 18 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.50% APY for a 6 months term and laddering across multiple maturities.

Peoples Trust Company of St. Albans also offers Personal Money Market, a money market account paying 0.25% APY with a $1,500 minimum deposit. To earn the full 0.25% APY, a minimum balance of $1,500 is required. Below that, the rate drops to as low as 0.10% APY.

At 0.25% APY, Peoples Trust Company of St. Albans pays below the national money market average of 0.63%.

Additional Accounts

Personal Savings, a savings account at 0.10% APY.
Access Savings, a savings account at 0.10% APY.
Coach Club Savings, a savings account at 0.10% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Business Money Market

Savings

0.35% APY

Tiered Range: 0.10% - 0.35%

StableNo rate changes in last 7 days

Min: $500 Branch Access

Rank #189 of 337 tracked.

Access Savings

Savings

0.10% APY

StableNo rate changes in last 7 days

No Minimums Branch Access

Rank #260 of 337 tracked.

Club Choice

Savings

0.10% APY

StableNo rate changes in last 7 days

No Minimums Checking Bundle Branch Access

Rank #261 of 337 tracked.

Coach Club Savings

Savings

0.10% APY

StableNo rate changes in last 7 days

No Minimums Branch Access

Rank #262 of 337 tracked.

Personal Savings

Savings

0.10% APY

StableNo rate changes in last 7 days

No Minimums Branch Access

Rank #263 of 337 tracked.

Personal Money Market

Money Market

0.25% APY

Tiered Range: 0.10% - 0.25%

Min: $1,500 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationSaint Albans, VT
Deposit InsuranceFDIC Insured(Cert: 14168)

Visit Official Website

Featured Offers

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Axos ONE - High Yield Savings & Checking

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FDIC Insured

Savings4.21%APY

Checking0.51%APY

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FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

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FDIC Insured

Savings3.20%APY

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FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Peoples Trust Company of St. Albans

Feature	Coach Club Savings	Access Savings	Personal Savings	Club Choice
APY	0.10%Verified: 8/19/2026	0.10%Verified: 8/19/2026	0.10%Verified: 8/19/2026	0.10%Verified: 8/19/2026
APY Trend	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days
Min. Deposit	$0	N/A	$0	$0
Min. Balance	$0	N/A	$0	$0
Monthly Fee	N/A	N/A	N/A	N/A
Direct Deposit	None	None	None	None
Checking Bundle	No	No	No	Yes
In-Branch Access	Yes	Yes	Yes	Yes
Compounding	Monthly	Monthly	Monthly	Monthly
FDIC Insured	Yes	Yes	Yes	Yes
Eligibility	United States	United States	United States	United States
Next Steps	-	-	-	-

Interactive Tool

Calculate Savings for Peoples Trust Company of St. Albans

All calculations are based on APY.

Choose savings account

Initial deposit

$

Recurring deposit

$

Frequency

Duration

Savings Breakdown

Interest Earned
+$131.00(0.9%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,131.00

Effective APY

0.35%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Peoples Trust Company of St. Albans Deposit Rates Over Time

No historical data available.

Compare with Peoples Trust Company of St. Albans

Feature	Current View Peoples Trust Company of St. Albans	Empty Slot
Product		-
APY	0.10%Verified: 8/19/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$0	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	Monthly	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.50% Highest APY

Across 18 CD products with terms: 60 months, 48 months, 36 months, 24 months, 18 months, 12 months, 6 months, 3 months, 1 months

CD Products Offered by Peoples Trust Company of St. Albans

Feature	1 Month IRA 1 months	1 Month CD 1 months	3 Month IRA 3 months	3 Month CD 3 months	6 Month IRA 6 months	6 Month CD 6 months	12 Month IRA 12 months	12 Month CD 12 months	18 Month IRA 18 months	18 Month CD 18 months	24 Month IRA 24 months	24 Month CD 24 months	36 Month IRA 36 months	36 Month CD 36 months	48 Month IRA 48 months	48 Month CD 48 months	60 Month IRA 60 months	60 Month CD 60 months
APY	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.75%Verified: 8/19/2026	2.75%Verified: 8/19/2026	3.00%Verified: 8/19/2026	3.00%Verified: 8/19/2026
Term	1 months	1 months	3 months	3 months	6 months	6 months	12 months	12 months	18 months	18 months	24 months	24 months	36 months	36 months	48 months	48 months	60 months	60 months
Min. Deposit	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

Peoples Trust Company of St. Albans CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by Peoples Trust Company of St. Albans

Feature	Personal Money Market
APY	0.25%Range: 0.10% - 0.25%Verified: 8/19/2026
Min. Deposit	$1,500
Min. Balance	$1,500
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	Monthly
FDIC Insured	Yes
Eligibility	United States

Alternatives to Peoples Trust Company of St. Albans

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For a top list of the highest savings rates, see all HYSA top rates

Global Bank

Statement Savings: 0.20% APY

Minimum Deposit: $100

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Minimum Deposit: $100

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