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Peru Federal Savings Bank Rates & Review November 2026

Q: What are the current interest rates at Peru Federal Savings Bank?

Current rates for Peru Federal Savings Bank include: 12-Month CD: 3.00%, 18-Month CD: 3.25%, 24-Month CD: 3.30%, 36-Month CD: 3.55%, 48-Month CD: 3.50%, 60-Month CD: 3.50%, Savings: 0.50%, MMA: 1.75%

Q: Does Peru Federal Savings Bank offer CDs?

Yes. Peru Federal Savings Bank current CD rates include its 36-Month CD at 3.55% APY, its 48-Month CD at 3.50% APY and its 60-Month CD at 3.50% APY, verified by MonitorBankRates as of November 7, 2026.

Q: Are CDs from Peru Federal Savings Bank FDIC insured?

Yes. Peru Federal Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

Q: What is the highest CD rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank CD rate is its 13-Month Special Rate Certificate of Deposit at 4.15% APY, verified by MonitorBankRates as of November 7, 2026.

Q: What CD terms does Peru Federal Savings Bank offer?

Peru Federal Savings Bank CD rates are 3.00% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.35% APY for a 30 month CD, 3.55% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Peru Federal Savings Bank for its full lineup.

Q: What is the highest savings rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank savings rate is its Health Savings Account at 0.50% APY, verified by MonitorBankRates as of November 7, 2026.

Q: What is the highest money market rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank money market rate is its Investor's Money Market Deposit Account at 1.75% APY, verified by MonitorBankRates as of November 7, 2026.

Q: What is the highest checking rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank checking rate is its Business Checking with Interest at 0.15% APY, verified by MonitorBankRates as of November 7, 2026.

Q: What is the lowest auto loan rate at Peru Federal Savings Bank?

The lowest Peru Federal Savings Bank auto loan rate is its Auto and Recreational Vehicle Loan at 5.49%, verified by MonitorBankRates as of November 7, 2026.

Q: What is the lowest personal loan rate at Peru Federal Savings Bank?

The lowest Peru Federal Savings Bank personal loan rate is its Personal Loan - Unsecured > $2,000 at 15.00%, verified by MonitorBankRates as of November 7, 2026.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

Peru Federal Savings Bank's 36-Month CD rates are at 3.55%, 48-Month CD rates are at 3.50%, 60-Month CD rates are at 3.50%, 30-Month CD rates are at 3.35%, 24-Month CD rates are at 3.30%. Peru Federal Savings Bank's savings rates are at 0.50%. Peru Federal Savings Bank's money market rates are at 1.75%. Peru Federal Savings Bank's checking rates are as high as 0.15%. Peru Federal Savings Bank's Personal Loan Rates are as low as 16.52%. Peru Federal Savings Bank's top CD rate of 4.15% APY on a 13 month CD is 38% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. 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 11/07/2026.

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.

Verified Healthy 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/

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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	Min. Deposit
13-Month Special Rate CD	4.07%	4.15%	13 Month	$1,000
Min Deposit $1,000 Details Special rate does not apply to IRAs; Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
36-Month CD	3.49%	3.55%	36 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA CD 36-month	3.49%	3.55%	36 Months	$10
Min Deposit $10 Details Individual Retirement Account; Effective Date: September 1, 2026; interest paid monthly; no minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
48-Month CD	3.45%	3.50%	48 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
60-Month CD	3.45%	3.50%	60 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA CD 48-month	3.45%	3.50%	48 Months	$10
Min Deposit $10 Details Individual Retirement Account; Effective Date: September 1, 2026; interest paid monthly; no minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA CD 60-month	3.45%	3.50%	60 Months	$10
Min Deposit $10 Details Individual Retirement Account; Effective Date: September 1, 2026; interest paid monthly; no minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
30-Month CD	3.30%	3.35%	30 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
24-Month CD	3.25%	3.30%	24 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA CD 24-month	3.25%	3.30%	24 Months	$10
Min Deposit $10 Details Individual Retirement Account; Effective Date: September 1, 2026; interest paid monthly; no minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
18-Month CD	3.20%	3.25%	18 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA CD 18-month	3.20%	3.25%	18 Months	$10
Min Deposit $10 Details Individual Retirement Account; Effective Date: September 1, 2026; interest paid monthly; no minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
12-Month CD	2.96%	3.00%	12 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
3-Month CD	2.96%	3.00%	3 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
6-Month CD	2.96%	3.00%	6 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
9-Month CD	2.96%	3.00%	9 Month	$1,000
Min Deposit $1,000 Details Effective Date: November 5, 2026; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA CD 12-month	2.96%	3.00%	12 Months	$10
Min Deposit $10 Details Individual Retirement Account; Effective Date: September 1, 2026; interest paid monthly; no minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.50%	0.50%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 and over; Effective Date: April 18, 2023; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Health Savings Account	0.35%	0.35%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Effective Date: April 18, 2023; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Health Savings Account	0.25%	0.25%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99; Effective Date: April 18, 2023; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Health Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $2,499.99; Effective Date: April 18, 2023; Interest paid monthly; No minimum balance to earn APY Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Passbook Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $10 Details Effective Date: January 1, 2024; Pays quarterly interest; $1.00 per quarter service charge if average daily balance falls below $100.00; Average daily balance must be > $10.00 to earn APY Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Statement Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $10 Details Effective Date: January 1, 2024; Pays monthly interest; $1.00 per month service charge if average daily balance falls below $100.00; Average daily balance must be > $10.00 to earn APY Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
E-Savings Account	0.05%	0.05%
Min Deposit $100 Details Effective Date: January 1, 2024; Pays monthly interest; $1.00 per month service charge if the average daily balance falls below $100.00; Average daily balance must be > $10.00 to earn APY; Ideal for Sweep Protection Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times 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%
Min Deposit $100 Details Pays interest monthly; requires $100.00 to open; $1.00 per month service charge if average daily balance is less than $100.00; average daily balance must be greater than $10.00 to earn interest Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Money Market Rates

Product	Rate	APY
Investor's Money Market Deposit Account	1.75%	1.75%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00 and above; Pays interest monthly; $25.00 per month service charge if average daily balance falls below $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Investor's Money Market Deposit Account	1.50%	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Pays interest monthly; $25.00 per month service charge if average daily balance falls below $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Money Market Deposit Account	1.25%	1.25%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and above; Effective Date: February 1, 2023; Pays interest monthly; $1.00 per month service charge if average daily balance falls below $100.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Investor's Money Market Deposit Account	0.50%	0.50%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.00 - $99,999.99; Pays interest monthly; $25.00 per month service charge if average daily balance falls below $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Money Market Deposit Account	0.50%	0.50%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Effective Date: February 1, 2023; Pays interest monthly; $1.00 per month service charge if average daily balance falls below $100.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Money Market Deposit Account	0.30%	0.30%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; Effective Date: February 1, 2023; Pays interest monthly; $1.00 per month service charge if average daily balance falls below $100.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Money Market Deposit Account	0.15%	0.15%
Min Deposit $100 Min Balance $500 Details Balance: $500.00 - $2,499.99; Effective Date: February 1, 2023; Pays interest monthly; $1.00 per month service charge if average daily balance falls below $100.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Money Market Deposit Account	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $499.99; Effective Date: February 1, 2023; Pays interest monthly; $1.00 per month service charge if average daily balance falls below $100.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Business Money Market Rates

Product	Rate	APY
Business Investors Money Market	1.25%	1.25%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 and over; Tiered account paying monthly interest based on average daily balance; $25.00 monthly service charge if average daily balance is less than $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Investors Money Market	1.00%	1.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Tiered account paying monthly interest based on average daily balance; $25.00 monthly service charge if average daily balance is less than $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Money Market Account	1.00%	1.00%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Money Market Account	0.30%	0.30%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Investors Money Market	0.25%	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.00 - $99,999,99; Tiered account paying monthly interest based on average daily balance; $25.00 monthly service charge if average daily balance is less than $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Money Market Account	0.20%	0.20%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Money Market Account	0.10%	0.10%
Min Deposit $100 Min Balance $500 Details Balance: $500.00 - $2,499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Money Market Account	0.00%	0.00%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

Peru Federal Savings Bank Business Checking Rates

Product	Rate	APY
Business Checking with Interest	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.01 and over; Effective Date: January 1, 2024 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times 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; Effective Date: January 1, 2024 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.12% APY · checked 11 times 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; Effective Date: January 1, 2024 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.08% APY · checked 11 times 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; Effective Date: January 1, 2024 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Checking with Interest	0.00%	0.00%
Min Balance $1 Details Balance: $1.00 -$5,000.00; Effective Date: January 1, 2024 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 10 times 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
Auto and Recreational Vehicle Loan	5.49%	-	5.808%	36 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 5.81% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	5.74%	-	5.983%	48 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 5.98% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	5.99%	-	6.187%	60 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.19% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.24%	-	6.406%	72 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.41% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.24%	-	6.554%	36 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.55% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.49%	-	6.735%	48 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.74%	-	6.938%	60 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.94% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.24%	-	7.409%	72 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 7.41% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.49%	-	7.96%	24 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 7.96% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.74%	-	8.061%	36 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 8.06% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.99%	-	8.237%	48 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	8.49%	-	8.692%	60 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 8.69% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	9.99%	-	10.464%	24 Months
Details As Low As; Model Year: 2011 & Older; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 10.46% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	10.49%	-	10.817%	36 Months
Details As Low As; Model Year: 2011 & Older; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 10.82% APR · checked 9 times 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
Auto and Recreational Vehicle Loan	5.49%	5.808%	36 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 5.81% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	5.74%	5.983%	48 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 5.98% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	5.99%	6.187%	60 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.19% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.24%	6.406%	72 Months
Details As Low As; Model Year: 2023-2026; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.41% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.24%	6.554%	36 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.55% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.49%	6.735%	48 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	6.74%	6.938%	60 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 6.94% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.24%	7.409%	72 Months
Details As Low As; Model Year: 2018-2022; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 7.41% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.49%	7.96%	24 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 7.96% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.74%	8.061%	36 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 8.06% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	7.99%	8.237%	48 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	8.49%	8.692%	60 Months
Details As Low As; Model Year: 2012-2017; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 8.69% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	9.99%	10.464%	24 Months
Details As Low As; Model Year: 2011 & Older; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 10.46% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto and Recreational Vehicle Loan	10.49%	10.817%	36 Months
Details As Low As; Model Year: 2011 & Older; Recreational Vehicle rates are 1.50% over auto rates; Risk-based rates Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 10.82% APR · checked 9 times 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
Personal Loan - Unsecured > $2,000	16.52%
Details $2,000; APR based on $2,000 & $5,000 loans at 15% for 24 months with $95 document preparation prepaid finance charge; Effective Date: January 1, 2026 Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 16.52% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Personal Loan - Unsecured < $2,000	18.79%
Details $2,000; APR based on $2,000 & $5,000 loans at 15% for 24 months with $95 document preparation prepaid finance charge; Effective Date: January 1, 2026 Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 18.79% APR 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.

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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$208M	0.95%	5.0	A+
March 31, 2026	$211M	0.98%	5.0	A+
December 31, 2025	$207M	0.78%	5.0	A+
September 30, 2025	$203M	0.72%	5.0	A+
June 30, 2025	$208M	0.73%	5.0	A+
March 31, 2025	$206M	1.21%	5.0	A+
December 31, 2024	$198M	1.23%	5.0	A+
September 30, 2024	$199M	1.42%	5.0	A+
June 30, 2024	$199M	1.44%	5.0	A+
March 31, 2024	$198M	1.28%	5.0	A+
December 31, 2023	$194M	1.21%	5.0	A+
September 30, 2023	$202M	1.93%	5.0	A+

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

Bank Name Peru Federal Savings Bank

Website https://www.perufederalsavings.com/

Address 1730 4th St, Peru, IL 61354 · Lasalle

Bank Holding Company PFS BCORP INC

FDIC Certificate # 29384

Regulator OCC

Established January 1, 1887

FDIC Insurance Date August 9, 1989

Domestic Offices 2

Total Branches 2

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.95%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7713%

Return on Equity (ROE)

4.9900%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Peru Federal Savings Bank earned the Verified Healthy badge

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

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Peru Federal Savings Bank

Does Peru Federal Savings Bank offer CDs?

Yes. Peru Federal Savings Bank current CD rates include its 36-Month CD at 3.55% APY, its 48-Month CD at 3.50% APY and its 60-Month CD at 3.50% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Peru Federal Savings Bank FDIC insured?

Yes. Peru Federal Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank CD rate is its 13-Month Special Rate Certificate of Deposit at 4.15% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Peru Federal Savings Bank offer?

Peru Federal Savings Bank CD rates are 3.00% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.35% APY for a 30 month CD, 3.55% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Peru Federal Savings Bank for its full lineup.

What is the highest savings rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank savings rate is its Health Savings Account at 0.50% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank money market rate is its Investor's Money Market Deposit Account at 1.75% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at Peru Federal Savings Bank?

The highest Peru Federal Savings Bank checking rate is its Business Checking with Interest at 0.15% APY, verified by MonitorBankRates as of November 7, 2026.

What is the lowest auto loan rate at Peru Federal Savings Bank?

The lowest Peru Federal Savings Bank auto loan rate is its Auto and Recreational Vehicle Loan at 5.49%, verified by MonitorBankRates as of November 7, 2026.

What is the lowest personal loan rate at Peru Federal Savings Bank?

The lowest Peru Federal Savings Bank personal loan rate is its Personal Loan - Unsecured > $2,000 at 15.00%, verified by MonitorBankRates as of November 7, 2026.

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/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Peru Federal Savings Bank rates compare?

Peru Federal Savings Bank's top CD rate of 4.15% APY on a 13 month CD is 38% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Peru Federal Savings Bank's top rates are its 13-Month Special Rate Certificate of Deposit at 4.15% APY, its Health Savings Account at 0.50% APY, its Investor's Money Market Deposit Account at 1.75% APY, its Business Checking with Interest at 0.15% APY and its Personal Loan - Unsecured > $2,000 at 16.52% APR, verified by MonitorBankRates on November 7, 2026.

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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Peru Federal Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Peru Federal Savings Bank Texas Ratio

Peru Federal Savings Bank Health Trend

Peru Federal Savings Bank CD Rates

Peru Federal Savings Bank Savings Rates

Peru Federal Savings Bank Business Savings Rates

Peru Federal Savings Bank Money Market Rates

Peru Federal Savings Bank Business Money Market Rates

Peru Federal Savings Bank Business Checking Rates

Peru Federal Savings Bank Auto Loan Rates

Peru Federal Savings Bank RV, Boat and Powersport Loan Rates

Peru Federal Savings Bank Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Peru Federal Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Peru Federal Savings Bank

Does Peru Federal Savings Bank offer CDs?

Are CDs from Peru Federal Savings Bank FDIC insured?

What is the highest CD rate at Peru Federal Savings Bank?

What CD terms does Peru Federal Savings Bank offer?

What is the highest savings rate at Peru Federal Savings Bank?

What is the highest money market rate at Peru Federal Savings Bank?

What is the highest checking rate at Peru Federal Savings Bank?

What is the lowest auto loan rate at Peru Federal Savings Bank?

What is the lowest personal loan rate at Peru Federal Savings Bank?

How many branches does Peru Federal Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Peru Federal Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Peru Federal Savings Bank rates compare?

Current Peru Federal Savings Bank Rates

Compare to Other Banks