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Peru Federal Savings Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Peru Federal Savings Bank's top rates as of October 12, 2026 are 3.75% APY on its 15-Months 15-Month Special Rate CD, 0.50% APY on savings, 1.75% APY on money market accounts, 0.15% APY on checking, and personal loans from 16.52% APR, according to rates verified by MonitorBankRates. Other Peru Federal Savings Bank CD rates include 36-Months 36-Month Certificate at 3.55%, 48-Months 48-Month Certificate at 3.50%, and 60-Months 60-Month Certificate at 3.50%. MonitorBankRates evaluates the financial stability of Peru Federal Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.95%. Rates last updated and verified on 10/12/2026.

Peru Federal Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Peru Federal Savings Bank? Share your experience about Peru Federal Savings Bank by leaving a review below, or read customer reviews before you decide to use Peru Federal Savings Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.95%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Peru Federal Savings Bank
1730 4th St
Peru, IL 61354
https://www.perufederalsavings.com/
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Peru Federal Savings Bank CD Rates

Product Rate APY Term View More
15 Month Special Rate 3.69% 3.75% 15 months
Details *15 Month special does not apply to IRAs*
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
36 Month Certificate 3.49% 3.55% 36 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
48 Month Certificate 3.45% 3.50% 48 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
60 Month Certificate 3.45% 3.50% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
30 Month Certificate 3.30% 3.35% 30 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
24 Month Certificate 3.25% 3.30% 24 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
18 Month Certificate 3.20% 3.25% 18 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
12 Month Certificate 2.96% 3.00% 12 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
3 Month Certificate 2.96% 3.00% 3 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
6 Month Certificate 2.96% 3.00% 6 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
9 Month Certificate 2.96% 3.00% 9 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Savings Rates

Product Rate APY View More
Health Savings Account 0.50% 0.50%
Min Balance $10,000
Details Balance: $10,000.00 +
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Health Savings Account 0.35% 0.35%
Min Balance $5,000
Details Balance: $5,000.00 - $9,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 8, 2026: 0.35% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Health Savings Account 0.25% 0.25%
Min Balance $2,500
Details Balance: $2,500.00 - $4,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
E-Savings Account 0.10% 0.10%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Health Savings Account 0.10% 0.10%
Min Balance $0
Details Balance: $0 - $2,499.99
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Passbook Savings Account 0.10% 0.10%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Statement Savings Account 0.10% 0.10%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
E-Savings Account 0.05% 0.05%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Business Savings Rates

Product Rate APY View More
Business Savings Account 0.10% 0.10%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Money Market Rates

Product Rate APY View More
Investor's Money Market Deposit Account 1.75% 1.75%
Min Balance $250,000
Details Balance: $250,000.00 and above
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Investor's Money Market Deposit Account 1.50% 1.50%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 20, 2026: 1.50% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Money Market Deposit Account 1.25% 1.25%
Min Balance $100,000
Details Balance: $100,000.00 and above
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 20, 2026: 1.25% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Investor's Money Market Deposit Account 0.50% 0.50%
Min Balance $0
Details Balance: $0.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Money Market Deposit Account 0.50% 0.50%
Min Balance $25,000
Details Balance: $25,000.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Money Market Deposit Account 0.30% 0.30%
Min Balance $2,500
Details Balance: $2,500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Money Market Deposit Account 0.15% 0.15%
Min Balance $500
Details Balance: $500.00 - $2,499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Investor's Money Market Deposit Account 0.10% 0.10%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Money Market Deposit Account 0.05% 0.05%
Min Balance $0
Details Balance: $0.00 - $499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Business Money Market Rates

Product Rate APY View More
Business Investors Money Market 1.25% 1.25%
Min Balance $250,000
Details Balance: $250,000 +
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 20, 2026: 1.25% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Investors Money Market 1.00% 1.00%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Money Market Account 1.00% 1.00%
Min Balance $100,000
Details Balance: $100,000.00 +
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Money Market Account 0.30% 0.30%
Min Balance $25,000
Details Balance: $25,000 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Investors Money Market 0.25% 0.25%
Min Balance $0
Details Balance: $0.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Money Market Account 0.20% 0.20%
Min Balance $2,500
Details Balance: $2500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 20, 2026: 0.20% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Money Market Account 0.10% 0.10%
Min Balance $500
Details Balance: $500.00 - $2499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Business Checking Rates

Product Rate APY View More
Business Checking with Interest 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000.01 +
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Community Organization Checking 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000.01 +
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Checking with Interest 0.12% 0.12%
Min Balance $50,000
Details Balance: $50,000.01 - $100,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.12% APY · checked 6 times
0.00%0.31%0.62%Sep 20, 2026: 0.12% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Community Organization Checking 0.12% 0.12%
Min Balance $50,000
Details Balance: $50,000.01- $100,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.12% APY · checked 6 times
0.00%0.31%0.62%Sep 20, 2026: 0.12% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Checking with Interest 0.08% 0.08%
Min Balance $25,000
Details Balance: $25,000.01 - $50,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 20, 2026: 0.08% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Community Organization Checking 0.08% 0.08%
Min Balance $25,000
Details Balance: $25,000.01 - $50,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 20, 2026: 0.08% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Checking with Interest 0.05% 0.05%
Min Balance $5,000
Details Balance: $5,000.01 - $25,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business Community Organization Checking 0.05% 0.05%
Min Balance $5,000
Details Balance: $5,000.01 - $25,000.00
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto and Recreational Vehicle - 2023-2026 5.49% - 5.808% 36 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.81% APR · checked 2 times
5.31%5.81%6.31%Oct 8, 2026: 5.81% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2023-2026 5.74% - 5.983% 48 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.98% APR · checked 2 times
5.48%5.98%6.48%Oct 8, 2026: 5.98% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2023-2026 5.99% - 6.187% 60 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.19% APR · checked 2 times
5.69%6.19%6.69%Oct 8, 2026: 6.19% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2023-2026 6.24% - 6.406% 72 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.41% APR · checked 2 times
5.91%6.41%6.91%Oct 8, 2026: 6.41% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 6.24% - 6.554% 36 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.55% APR · checked 2 times
6.05%6.55%7.05%Oct 8, 2026: 6.55% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 6.49% - 6.735% 48 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 8, 2026: 6.74% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 6.74% - 6.938% 60 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.94% APR · checked 2 times
6.44%6.94%7.44%Oct 8, 2026: 6.94% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 7.24% - 7.409% 72 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.41% APR · checked 2 times
6.91%7.41%7.91%Oct 8, 2026: 7.41% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 7.49% - 7.96% 24 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.96% APR · checked 2 times
7.46%7.96%8.46%Oct 8, 2026: 7.96% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 7.74% - 8.061% 36 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.06% APR · checked 2 times
7.56%8.06%8.56%Oct 8, 2026: 8.06% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 7.99% - 8.237% 48 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.24% APR · checked 2 times
7.74%8.24%8.74%Oct 8, 2026: 8.24% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 8.49% - 8.692% 60 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.69% APR · checked 2 times
8.19%8.69%9.19%Oct 8, 2026: 8.69% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2011 & Older 9.99% - 10.464% 24 Months
Details Rates As Low As; Year: 2011 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.46% APR · checked 2 times
9.96%10.46%10.96%Oct 8, 2026: 10.46% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2011 & Older 10.49% - 10.817% 36 Months
Details Rates As Low As; Year: 2011 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.82% APR · checked 2 times
10.32%10.82%11.32%Oct 8, 2026: 10.82% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Auto and Recreational Vehicle - 2023-2026 5.49% 5.808% 36 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.81% APR · checked 2 times
5.31%5.81%6.31%Oct 8, 2026: 5.81% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2023-2026 5.74% 5.983% 48 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.98% APR · checked 2 times
5.48%5.98%6.48%Oct 8, 2026: 5.98% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2023-2026 5.99% 6.187% 60 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.19% APR · checked 2 times
5.69%6.19%6.69%Oct 8, 2026: 6.19% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2023-2026 6.24% 6.406% 72 Months
Details Rates As Low As; Year: 2023-2026
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.41% APR · checked 2 times
5.91%6.41%6.91%Oct 8, 2026: 6.41% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 6.24% 6.554% 36 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.55% APR · checked 2 times
6.05%6.55%7.05%Oct 8, 2026: 6.55% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 6.49% 6.735% 48 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 8, 2026: 6.74% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 6.74% 6.938% 60 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.94% APR · checked 2 times
6.44%6.94%7.44%Oct 8, 2026: 6.94% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2018-2022 7.24% 7.409% 72 Months
Details Rates As Low As; Year: 2018-2022
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.41% APR · checked 2 times
6.91%7.41%7.91%Oct 8, 2026: 7.41% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 7.49% 7.96% 24 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.96% APR · checked 2 times
7.46%7.96%8.46%Oct 8, 2026: 7.96% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 7.74% 8.061% 36 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.06% APR · checked 2 times
7.56%8.06%8.56%Oct 8, 2026: 8.06% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 7.99% 8.237% 48 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.24% APR · checked 2 times
7.74%8.24%8.74%Oct 8, 2026: 8.24% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2012-2017 8.49% 8.692% 60 Months
Details Rates As Low As; Year: 2012-2017
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.69% APR · checked 2 times
8.19%8.69%9.19%Oct 8, 2026: 8.69% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2011 & Older 9.99% 10.464% 24 Months
Details Rates As Low As; Year: 2011 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.46% APR · checked 2 times
9.96%10.46%10.96%Oct 8, 2026: 10.46% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle - 2011 & Older 10.49% 10.817% 36 Months
Details Rates As Low As; Year: 2011 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.82% APR · checked 2 times
10.32%10.82%11.32%Oct 8, 2026: 10.82% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Personal Loan Rates

Product APR Term View More
Unsecured > Loan 16.52%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 16.52% APR · checked 7 times
16.02%16.52%17.02%Sep 16, 2026: 16.52% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Unsecured < Loan 18.79%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 18.79% APR · checked 7 times
18.29%18.79%19.29%Sep 16, 2026: 18.79% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Other Rates

Product Rate Points APY/APR Term View More
Share Loans 2.00% - 2.00%
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 2.00% APR · checked 3 times
1.50%2.00%2.50%Sep 16, 2026: 2.00% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Peru Federal Savings Bank’s Texas Ratio fell from 1.93% in Q3 2023 to 0.95% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.7% 2.0★ 1.3% 3.0★ 2% 4.0★ 2.6% 5.0★ Healthy zone – entire history below the 15% limit 1.93% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.95% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$208M0.95%5.0A+
March 31, 2026$211M0.98%5.0A+
December 31, 2025$207M0.78%5.0A+
September 30, 2025$203M0.72%5.0A+
June 30, 2025$208M0.73%5.0A+
March 31, 2025$206M1.21%5.0A+
December 31, 2024$198M1.23%5.0A+
September 30, 2024$199M1.42%5.0A+
June 30, 2024$199M1.44%5.0A+
March 31, 2024$198M1.28%5.0A+
December 31, 2023$194M1.21%5.0A+
September 30, 2023$202M1.93%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Peru Federal Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Peru Federal Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Peru Federal Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peru Federal Savings Bank
Bank Holding Company PFS BCORP INC
Address 1730 4th St, Peru, IL 61354  ·  Lasalle
Website https://www.perufederalsavings.com/
FDIC Certificate # 29384
Established 18870101
FDIC Insurance Date 19890809
Domestic Offices 2
Total Branches 2
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.95%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7713%
Return on Equity (ROE) 4.9900%
Non-Performing Loans (NPL) 0.15%
Total Assets $208,480,000
Total Deposits $172,787,000
Equity Capital $32,652,000
Net Income $806,000
Headquarters Peru
Total Branches and Offices 2
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Peru Federal Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/peru-federal-savings-bank-rates-review-29384">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Peru Federal Savings Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Peru Federal Savings Bank

How many branches does Peru Federal Savings Bank operate?

Peru Federal Savings Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Peru Federal Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peru Federal Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Peru Federal Savings Bank offer online and mobile banking?

Most modern institutions like Peru Federal Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.perufederalsavings.com/.

Current Peru Federal Savings Bank Rates

  • 12-Month CD3.00%
  • 18-Month CD3.25%
  • 24-Month CD3.30%
  • 36-Month CD3.55%
  • 48-Month CD3.50%
  • 60-Month CD3.50%
  • Savings0.50%
  • MMA1.75%
Retrieved from our database of financial products. Rates subject to change.

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