Loan Rates
MORTGAGE RATES
Check out our rates for purchasing or refinancing your home:
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Auto and Recreational Vehicle***
| Year | Term | Rates As Low As | APR* As Low As |
|---|---|---|---|
| 2020-2018 | 72 Months | 4.24 | 4.403 |
| 2020-2018 | 60 Months | 3.99 | 4.184 |
| 2020-2018 | 48 Months | 3.74 | 3.979 |
| 2020-2018 | 36 Months | 3.49 | 3.804 |
| 2017-2015 | 60 Months | 4.74% | 4.935 |
| 2017-2015 | 48 Months | 4.49 | 4.731 |
| 2017-2015 | 36 Months | 4.24 | 4.555 |
| 2014-2012 | 48 Months | 5.99 | 6.233 |
| 2014-2012 | 36 Months | 5.74 | 6.058 |
| 2014-2012 | 24 Months | 5.49 | 5.955 |
| 2011-2007 | 48 Months | 9.49 | 9.739 |
| 2011-2007 | 36 Months | 9.24 | 9.564 |
| 2011-2007 | 24 Months | 8.99% | 9.462 |
| 2006 & older | 24 Months | 10.99% | 11.466 |
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 vehicle loan at 3.49% for 60 months is equal to $365.53 monthly payment with an annual percentage rate of 3.689%. A $20,000 vehicle loan at 3.74% for 72 months is equal to $312.07 monthly payment with an annual percentage rate of 3.908%. Rates are subject to change at any time.
Rates 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 & $,5000 for 24 months and included $95 document preparation as a prepaid finance charge.
Rates subject to change at any time.
