Peru Federal Savings Bank

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Loan Rates

Auto and Recreational Vehicle***

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Effective Date: Thursday, January 17, 2019

YearTermRates As Low As APR* As Low As
2018-201672 Months3.74%3.908%
2018-201660 Months3.49% 3.689%
2018-201648 Months 3.24% 3.484%
2018-201636 Months 2.99% 3.31%
2015-2013 60 Months 4.24% 4.441%
2015-2013 48 Months 3.99% 4.488%
2015-2013 36 Months 3.74%4.063%
2012-2010 48 Months 5.49%5.742%
2012-2010 36 Months 5.24%5.569%
2012-2010 24 Months 4.99% 5.467%
2009-2005 48 Months 8.74%9.004%
2009-2005 36 Months 8.49%8.832%
2009-2005 24 Months 8.24%8.731%
2004 & older 24 Months 10.49%10.992%

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: Thursday, January 17, 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.