Loan Rates

 

MORTGAGE RATES

Check out our rates for purchasing or refinancing your home:

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Auto and Recreational Vehicle***

YearTermRates As Low AsAPR* As Low As
2019-202372 Months5.74%5.907%
2019-202360 Months5.49%5.687%
2019-202348 Months5.24%5.483%
2019-202336 Months4.99%5.038%
2015-201972 Months6.74%6.909%
2015-201960 Months6.24%6.439%
2015-201948 Months5.99%6.234%
2015-201936 Months5.74%6.060%
2009-201460 Months7.99%8.192%
2009-201448 Months7.49%7.737%
2009-201436 Months7.24%7.562%
2009-201424 Months6.99%7.461%
2008 & Older36 Months10.49%10.818%
2008 & older24 Months9.99%10.466%
Effective Date: February 1, 2023

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 5.49% has a payment of $381.93 and the APR is 5.687%. A $20,000 auto loan for 72 months at 5.74% has a payment of $329.01 and the APR is 5.907%. Rates are subject to change at any time.

Personal Loan

Loan TypeRateAPR* 
Unsecured < $2,00015.00%18.79%
Unsecured > $2,00015.00%16.52%
Share Loans2.00% Over Deposit RateUp to 100% Actual Value
Effective Date: Sunday, June 1, 2022

*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.