Po Box 565
Peru, NY 12972
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.70% →
1-Year CD 0.50% 0.71% →
2-Year CD 1.00% 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Peru is an NCUA insured institution located in Peru, NY. It was founded in 1963 and has approximately $30.29 millions in assets.

NCUA Insured Yes
Charter Number # # 15516
Date Established 1963
Assets $30.29 million
Loans $19.00 million
Deposits $26.87 million
Capital $3.34 million

Deposit Rates - January 26, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
Special: 24 Mo CD
1.00% $1,000 - Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More

Loan Rates - January 26, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for PERU

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.576% 2.500% 1.00 $2,500 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.665% 2.625% 0.50 $1,300 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.243% 3.125% 1.00 $3,750 $1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to PERU
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Below are Peru branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Peru Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Peru. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Peru U.S. Average
0.65% 4.42

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2020, Peru had $22,298 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,342,552 in net worth and $88,861 in loans loss reserves. That gives it a Texas Ratio of 0.65%.

Net Worth
Peru U.S. Average
11.03% 12.91%

Peru FCU has a net worth of 11.03% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Peru

Branches and Savings

What is Peru?

A credit union, registered with the NCUA under certificate #15516.
Learn more about credit unions here.

Is Peru FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Peru?

Please see Field of Membership information above for information on who is eligible to join.

What are Peru's share account and share certificate rates?

Peru's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Peru?

Peru has total capital of $3.34 million. Full information on Peru's financial position is located above.

Who owns Peru?

Credit Unions are owned by their members.

Where are Peru branches located?

See branch locations nearby.

Are Peru ATMs Open 24/7?

Do Peru ATMs accept cash deposits?

Can Peru customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Peru have a mobile app?

Does Peru have mobile deposit?

Does Peru have quick pay?

How can Peru transfer money to other banks or credit unions?

Does Peru report to credit bureaus?

Does Peru use Chexsystems?

Does Peru use Equifax?

What is Peru's toll free phone number?

What is Peru's ACH Routing Number?

What is Peru's SWIFT code?

Where can I find Peru's wire transfer form?

What is the Peru address for deposits?

What Products Does Peru Offer

Does Peru offer mortgages?

Compare mortgage rates here.

Does Peru offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Peru offer auto and RV loans?

Compare auto loan rates here.

Does Peru offer student loans or personal loans?

Compare personal loan rates here.

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