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 |
|---|---|---|---|
| 2020-2023 | 72 Months | 5.74% | 5.907% |
| 2020-2023 | 60 Months | 5.49% | 5.687% |
| 2020-2023 | 48 Months | 5.24% | 5.483% |
| 2020-2023 | 36 Months | 4.99% | 5.038% |
| 2015-2019 | 72 Months | 6.74% | 6.909% |
| 2015-2019 | 60 Months | 6.24% | 6.439% |
| 2015-2019 | 48 Months | 5.99% | 6.234% |
| 2015-2019 | 36 Months | 5.74% | 6.060% |
| 2009-2014 | 60 Months | 7.99% | 8.192% |
| 2009-2014 | 48 Months | 7.49% | 7.737% |
| 2009-2014 | 36 Months | 7.24% | 7.562% |
| 2009-2014 | 24 Months | 6.99% | 7.461% |
| 2008 & Older | 36 Months | 10.49% | 10.818% |
| 2008 & older | 24 Months | 9.99% | 10.466% |
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 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 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.
