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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
3.250% 3.626% APR* -0.082pts $815
USDA 30 Yr. Fixed  
3.500% 3.826% APR* -0.052 pts $773
Home Ready 30 Yr. Fixed  
3.50% 3.701% APR* -0.087 pts $941
Conventional 15 Yr. Fixed  
3.500% 3.951% APR * -0.018 pts $1,144
*APR  = Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.
*All stated rates are effective as of  8/22/2019 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors.  30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans.  15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page.  NMLS#402641.  NMLS Consumer Access Site


Loans - Business Loans

Commercial Real Estate Mortgages

Peoples Community Bank has both the flexibility and expertise to assist with your commercial real estate needs. From buying a lot to purchasing a building to refinancing an existing mortgage, we’ve got a loan product that’s right for your business. Our commercial mortgages range from 3 to 20 years and feature a variety of rate options. Learn More

Commercial Term Loans

Lasting three to seven years, appropriately structured term loans can assist your business in meeting long-term capital needs. Ideal for equipment purchases, providing long-term working capital to support growth, buy-out of equity partners or competitors or other worthwhile needs. Interest rates on term loans may be fixed or variable. Learn More

Commercial Construction Loans

When building a new commercial building, we custom design your construction loan/permanent financing package to meet your business goals. Our construction loans are structured on a fixed or variable rate basis with interest only payments. Learn More

Working Capital Lines of Credit

Individually designed to meet the unique financial needs of seasonal businesses and businesses on a growth trend. Working Capital Lines of Credit are reviewed annually and are priced relative to the prime lending rate. Learn More

Commercial Vehicles

No matter if you are an independent contractor with one truck or a cleaning franchise with a fleet of 12 vans, we can get the right priced loan for you with terms as long as 5 years. Learn More