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 |
|---|---|---|---|
| 2019-2022 | 72 Months | 5.24 | 5.406 |
| 2019-2022 | 60 Months | 4.99 | 5.186 |
| 2019-2022 | 48 Months | 4.74 | 4.982 |
| 2019-2022 | 36 Months | 4.49 | 4.807 |
| 2014-2018 | 60 Months | 5.74% | 5.938 |
| 2014-2018 | 48 Months | 5.49 | 5.733 |
| 2014-2018 | 36 Months | 5.24 | 5.559 |
| 2010-2013 | 48 Months | 6.99 | 7.236 |
| 2010-2013 | 36 Months | 6.74 | 7.061 |
| 2010-2013 | 24 Months | 6.49 | 6.960 |
| 2007-2009 | 48 Months | 10.49 | 10.743 |
| 2007-2009 | 36 Months | 10.24 | 10.568 |
| 2007-2009 | 24 Months | 9.99% | 10.466 |
| 2006 & older | 24 Months | 10.99% | 11.468 |
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 2.99% has a payment of $359.28 and the APR is 3.183%. A $20,000 auto loan for 72 months at 3.24% has a payment of $306.03 and the APR is 3.402%. 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 & $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.
