Meet the Murphys

When newly wed Chris and Lisa Murphy started looking for their first home, they knew they’d need to act fast once their dream home hit the market. With a Pre-Approved Main Street Mortgage, they were able to make their dreams a reality...

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Construction Loans

Lower down payments and flexible terms. 6.50% interest-only payments during build. (7.70% APR)*

● Only 10.1% Down
● Terms Available up to 12 Months
● Interest-only Payments During Construction
● No Inspection Fees

*Annual Percentage Rate (APR) is accurate as of 03/20/2024 and subject to change. Offer is subject to credit approval. The information provided assumes the property will be used as a primary residence. Permanent financing must be applied for separately. Example: 12-month fixed rate – $350,000 cost to build, 10.1% down payment, 7.70% APR*, 11 monthly interest-only payments of up to $1,676.00. and 1 balloon payment of $315,518.52. Property insurance is required. Property taxes and property insurance are not included in payment example, the actual payment obligation will be greater. Finance charges of $1,884.00, additional closing costs apply. Consult a tax advisor for possible tax-deductibility of interest.

Credit Cards

Earn great rewards with no annual fee and 0% introductory APR on purchases and balance transfers for 12 months.

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Land and Lot Loans

Purchase the lot for your dream home. There’s no need to wait on construction to secure the lot of your dreams today.

● Lot financing up to 75%
● Terms up to 10 years
● Competitive fixed rates

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Hassle-Free HELOC

A home equity line of credit (HELOC) allows you to turn your home equity into cash as you need it. See our introductory rates today!

● Intro rate of .99% for 3 months
● First Year Annual Fee Waived
● Interest-only monthly payments

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Offer is subject to credit approval. Offer may change without notice. 1. Introductory Annual Percentage Rate (APR) of .99% for first three (3) months. After introductory period, rate is adjustable and subject to change monthly with Prime Rate as published in the Wall Street Journal. Current Annual Percentage Rate (APR) in effect is 7.75% as of 12/3/2024. Maximum APR of 18.00%. Maximum loan-to-value of 80%, add 1.00% for loan-to-values exceeding 80% up to 90%. 2. Term of 15 years with monthly interest-only payments or $50, whichever is greater. If only minimum payments are made, final payment may result in a balloon payment. (Example: $10,000 balance, APR of 6.00%, 179 payments of $50, final balloon payment of $10,050.00) Annual maintenance fee of $50. Property insurance is required. Consult a tax advisor for possible tax deductibility of interest.

Home Equity Loans

Use the equity in your home for whatever expense life throws your way with a fixed rate and term.

● Low fixed rates
● Terms up to 15 years
● Low closing costs
● Free pre-qualifications

*Annual Percentage Rate (APR) is accurate as of 3/27/2024 and subject to change. Offer is subject to credit approval. Example (assumed 2nd lien position): 15-year fixed rate – $50,000 amount financed, 80% LTV, 7.86% APR*, 180 monthly payments of $470.64 Property insurance is required. Property taxes and property insurance are not included in payment example, the actual payment obligation will be greater. Finance charges of $344, additional closing costs apply. Consult a tax advisor for possible tax-deductibility of interest.

Savings-Secured Loans

A smart way to borrow while leveraging your own savings as collateral.

● Secured by a Peoples Bank deposit account
● Lowest interest rate option
● Allows you to build credit

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Auto Loans

Looking for a new or used car? Let Peoples Bank help get you pre-qualified and moving today.

● Rates as low as 6.95% (7.20% APR)*
● Terms up to 6 years

Offer is subject to credit approval. Document preparation fee of $190. Full coverage auto insurance is required. (Example: 5 Year Fixed Rate – Purchase Price: $35,000, Down Payment: 0%, APR: 7.20%*, 60 Monthly Payments of $692.54) *Annual Percentage Rate (APR) is accurate as of 3/27/2024 and subject to change.

Additional Loans

Meet the Murphys

Construction Loans

Lower down payments and flexible terms. 6.50% interest-only payments during build. (7.70% APR)*

Credit Cards

Earn great rewards with no annual fee and 0% introductory APR on purchases and balance transfers for 12 months.

Land and Lot Loans

Purchase the lot for your dream home. There’s no need to wait on construction to secure the lot of your dreams today.

Hassle-Free HELOC

A home equity line of credit (HELOC) allows you to turn your home equity into cash as you need it. See our introductory rates today!

Home Equity Loans

Use the equity in your home for whatever expense life throws your way with a fixed rate and term.

Savings-Secured Loans

A smart way to borrow while leveraging your own savings as collateral.

Auto Loans

Looking for a new or used car? Let Peoples Bank help get you pre-qualified and moving today.