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Automobile and Recreational Vehicle Rates***

 

 

 Auto Loan Specials 

Rates as low as 1.99%** on 2009-2013 up to 60 months OR 2.24%** up to 72 months

 

 

Year

Term

Rates As Low As

APR* As Low As

New, 2012 

72 Month

3.49%

3.644%

New, 2012

60 Month

3.12%

3.304%

New, 2012

48 Month

2.62%

2.846%

New, 2012

36 Month

2.49%

2.787%

2011

72 Month

3.74%

3.896%

2011

60 Month

3.12%

3.304%

2011

48 Month

2.87%

3.096%

2011

36 Month

2.74%

3.038%

2010

72 Month

3.99%

3.271%

2010

60 Month

3.37%

3.554%

2010

48 Month

3.12%

3.346%

2010

36 Month

2.99%

3.288%

2009

60 Month

3.62%

3.803%

2009

48 Month

3.37%

3.597%

2009

36 Month

3.24%

3.539%

2008

60 Month

4.12%

4.305%

2008

48 Month

3.87%

4.098%

2008

36 Month

3.74%

4.039%

2007

48 Month

4.37%

4.600%

2007

36 Month

4.24%

4.540%

2006

36 Month

4.99%

5.292%

2006

24 Month

4.87%

5.313%

 

 All of Peru Federal Savings Bank's Consumer Loan Rates are Risk-Based.  Adjustments may be made to the rates listed above based on the customers loan to value & credit scores from the Credit Agencies.

 

 ***Recreational Vehicle Rates are 1.50% over Auto Rates listed

 

 

***Auto Loans older than 1998 will be priced & underwritten as UNSECURED.

 

*APR= Annual Percentage Rate.  Loan APR calculations based on loan amount of $20,000 and include a $90 document preparation as a prepaid finance charge.

 

 

**Auto Loan Specials-Credit score of 725 or greater with at least 5 reportable items, and a debt to income ratio of 36% or less. Loan amount up to dealer invoice for new vehicles and NADA clean trade for used vehicles. 2013 used will be based on 90% of dealer invoice. Borrowers must meet income standards and other underwriting standards. Borrowers must live in 613xx zip code. Rate applies to vehicle purchase or refinance from another financial institution only. A $20,000 vehicle loan at 1.99% for 60 months is equal to $350.45 monthly payment with an annual percentage rate of 2.141%. A $20,000 vehicle loan at 2.24% for 72 months is equal to $297.11 monthly payment with an annual percentage rate of 2.367%. Rates are subject to change at any time.

 

 

 

*Rates subject to change at any time.