Loan Rates
MORTGAGE RATES
Check out our rates for purchasing or refinancing your home:
Auto and Recreational Vehicle***
| Year | Term | Rates As Low As | APR* As Low As |
|---|---|---|---|
| 2023-2026 | 72 Months | 6.24% | 6.406% |
| 2023-2026 | 60 Months | 5.99% | 6.187% |
| 2023-2026 | 48 Months | 5.74% | 5.983% |
| 2023-2026 | 36 Months | 5.49% | 5.808% |
| 2018-2022 | 72 Months | 7.24% | 7.409% |
| 2018-2022 | 60 Months | 6.74% | 6.938% |
| 2018-2022 | 48 Months | 6.49% | 6.735% |
| 2018-2022 | 36 Months | 6.24% | 6.554% |
| 2012-2017 | 60 Months | 8.49% | 8.692% |
| 2012-2017 | 48 Months | 7.99% | 8.237% |
| 2012-2017 | 36 Months | 7.74% | 8.061% |
| 2012-2017 | 24 Months | 7.49% | 7.960% |
| 2011 & Older | 36 Months | 10.49% | 10.817% |
| 2011 & Older | 24 Months | 9.99% | 10.464% |
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
*APR= Annual Percentage Rate. Loan APR calculations based on loan amount of $20,000 and include a $95 document preparation as a prepaid finance charge.
**Loan amount up to dealer invoice for new vehicles and NADA clean trade for used vehicles. Borrowers must meet income standards and other underwriting standards. A $20,000 auto loan for 60 months at 5.99% has a payment of $388.40 and the APR is 6.187%. A $20,000 auto loan for 72 months at 6.24% has a payment of $335.31 and the APR is 6.406%. Rates are subject to change at any time.
Personal Loan
| Loan Type | Rate | APR* |
|---|---|---|
| Unsecured < $2,000 | 15.00% | 18.79% |
| Unsecured > $2,000 | 15.00% | 16.52% |
| Share Loans | 2.00% Over Deposit Rate | Up to 100% Actual Value |
*APR= Annual Percentage Rate. Loan APR calculations based on loan amount of $2,000 & $5,000 and interest rate of 15% for 24 months and included $95 document preparation as a prepaid finance charge.
Rates subject to change at any time.
