Peru Federal Savings Bank

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Loan Rates

Auto and Recreational Vehicle***

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Effective Date: Friday, September 20, 2019

YearTermRates As Low As APR* As Low As
2019-201772 Months4.244.403
2019-201760 Months3.99 4.184
2019-201748 Months 3.74 3.979
2019-201736 Months 3.49 3.804
2016-2014 60 Months 4.74% 4.935
2016-2014 48 Months 4.49 4.731
2016-2014 36 Months 4.244.555
2013-2011 48 Months 5.996.233
2013-2011 36 Months 5.746.058
2013-2011 24 Months 5.49 5.955
2010-2006 48 Months 9.499.739
2010-2006 36 Months 9.249.564
2010-2006 24 Months 8.99%9.462
2005 & 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

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Effective Date: Friday, September 20, 2019

Loan Type RateAPR*
Unsecured < $2,000 15.000% 18.787%
Unsecured > $2,000 15.000% 16.524%
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.