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Margin Investing

More purchasing power. Lower investment cost.

For that extra edge in today's market, margin investing represents an opportunity to get the most value from your available resources by getting a cash loan against the securities in your portfolio. With People’s Securities you will get some of the lowest margin rates in the industry.

Average Debit Balance
Interest Charged Above/Below the National Financial Base Lending Rate (“NFBLR”) *
Current Margin Rates
$0 - $24,999
2.25
7.25%
$25,000 - $49,999
1.75
6.75%
$50,000 - $99,999
1.25
6.25%
$100,000 - $249,999
1.00
6.00%
$250,000 - $999,999
-0.25
4.75%
$1,000,000+
-0.75
4.25%

Effective 03/17/2022

Investing with Margin

There is no lengthy approval process and no established repayment term, but you should understand the risk associated with margin investing before establishing a margin investing account.

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People's Securities, Inc. official logo. PSI is a subsidiary of People's United Bank.

Investment and insurance products are offered through People’s Securities, Inc., a Broker/Dealer, member of FINRA and SIPC, an insurance agency. People’s Securities, Inc. is a wholly-owned subsidiary of M&T Bank. Investment products may involve risk, including possible loss of principal.

Investment and Insurance Products:

• Are Not Insured by FDIC or any Federal Government Agency
• Are Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate
• May Go Down in Value


Form CRS - Business Continuity Plan - Commission & Fee Schedule - Financial Statement - Conflicts of Interest Disclosure - Order Routing Disclosure - Day Trading Disclosure - BrokerCheck


*The NFBLR is set at the discretion of National Financial Services LLC (NFS) with references to commercially recognized interest rates, industry conditions regarding the extension of margin credit, and general credit conditions. NFS is an independent company, unaffiliated with People’s Securities, Inc. NFS is a service provider to People’s Securities, Inc. (PSI) There is no form of legal partnership, agency affiliation, or similar relationship between PSI and NFS, nor is such a relationship created or implied by the information herein. NFS has not been involved with the preparation of the content supplied by PSI and does not guarantee or assume any responsibility for its content.

On April 2, 2022, People’s United Bank, N.A. merged into M&T Bank. It is now part of M&T Bank and its former branches and most services will operate as the People’s United division of M&T Bank until we complete the integration of our systems later in 2022. M&T Bank is a Member FDIC, Equal Housing Lender and Equal Opportunity Lender.