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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
3.490% 3.876% APR* -0.045pts $836
VA 30 Yr. Fixed  
3.625% 3.859% APR* -0.250 pts $784
Conventional 30 Yr. Fixed  
4.875% 5.092% APR* -0.145 pts $1,027
Conventional 15 Yr. Fixed  
3.750% 4.180% APR * -0.187 pts $1,164
*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  7/2/2019 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


Fraud Alerts

April 10, 2013

Peoples Community Bank will never contact you by text message! If you receive a text (or email) such as this: "As part of our security measures the bank decided to flag your debit card.  Please call 1-727-916-7981 to un-flag" - it is a scam and fraud attempt to gain your personal account information.  Do not respond to any such text message!

October 17, 2012

Jack Henry & Associates, our website & on-line banking services provider has released the following fraud alert regarding phishing emails that may have been sent to our banking customers.  Please follow the instructions below if you receive an email from  Peoples Community Bank will never contact you via email, phone, or other means to request your personal information.  Contact any of our branch locations with questions or for more information.

We are receiving reports of phishing emails being sent from what appears to be a NetTeller email address with the subject line of NetTeller Watch Notice.  These are bogus emails trying to get customers to click on the embedded NetTeller access link.  These emails are not coming from NetTeller.  Please advise your customers, should they receive an email, NOT to click on the link.  It is recommended to permanently delete the email.