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2021 Peoples Bank Credit Card Customer Notice

Peoples Bank has partnered with TCM Bank as a new provider for our credit card program to provide you with improved card options, features, and benefits.

For credit cards opened after 2/15/2021: go to MyCard­Statement.com to manage your account online.

For credit cards opened before then go to Credit Card Portal to manage your account online. We will notify you 60 days in advance of a new card being issued in which you will then make the switch.

We take the responsibility of handling your finances very seriously, and we thank you for letting us be your financial partner. If you have questions, please call us at 1-800-891-9389 or email us at info@mypeoples.bank.

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Mortgage Center

We get it – buying a new home isn't something you do every day. Our local lenders will help you get the right mortgage in place to make the process of purchasing a home or securing a loan, easier and less complex. Take the next step in turning your home dreams into reality by starting your mortgage loan prequalification online or meeting with one of our lenders today. *Peoples Bank NMLS 709403

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Prequalification

Once you’ve decided to make the jump into homeownership you'll most likely want to know "What house can I afford?" Meeting with a Peoples Bank mortgage lender to decide on the best price range for you and your family will help you to get prequalified for a mortgage loan. This is an important step towards new homeownership. Prequalification will signal to your real estate agent and sellers that you have secured financing for up to a specified amount — a clear indication to others that you're no longer just curious, but a serious home buyer.

Contact a Lender   Blog Post: Read About How Much Mortgage You Can Afford

Our Mortgage Products

Fixed-Rate & Adjustable-Rate

Our most popular mortgages include conventional, jumbo and super jumbo fixed-rate mortgages (FRMs) and adjustable-rate mortgages (ARMs). Our mortgage lenders can help you determine whether a fixed-rate or adjustable-rate mortgage is the best option for you depending on your financial situation.

Blog Post: Read More About Popular Mortgages 

  

Mortgage Rate Relief

Peoples Bank is excited to offer a NEW mortgage savings product through the FHLB of Des Moines – Mortgage Rate Relief. For qualifying households, Mortgage Rate Relief will lower the current market mortgage interest rate up to 2%* 

  • Up to 2% interest rate1 reduction for eligible borrowers2. To be eligible, household must be at or below 80% of the FHFA area median income.2
  • Can be used for home purchase or refinancing
  • Can be paired with other eligible down payment programs including Home$tart and NAHI3
* All credit products are subject to approval. Private mortgage insurance is typically required for loans with greater than 80% loan-to-value ratio. Loan must close by end of 2024. 1The Mortgage Rate Relief interest rate offered by FHLB Des Moines will be approximately 2% below prevailing market rates at any given time. Mortgage Rate Relief funds are restricted to a primary residence, 1-4 family dwellings, and 30-year fixed conforming conventional loans. 2Eligible households include those with income at or below 80% of the area FHFA median income. Eligible income is based on all adult owners/occupants. 3Borrower will need to meet the requirements of any grant programs in addition to the Mortgage Rate Relief requirements.
  

Additional Mortgage Options

Peoples Bank also offers special home loan programs for those who may not usually qualify for a mortgage or are going through the mortgage process for the first time:  

  

Home Loans and Temporary Loans

We also provide financing solutions for those navigating the financial waters of building a new home or trying to sell and buy a home at the same time:    

  • Lot loans and construction loans provide short-term financing to help you build your dream home
  • Bridge and temporary loans provide the freedom to use the equity in your current home to purchase a new one

Blog Post: Read More About Buying vs. Building

  

Run the numbers and make a plan

Access a variety of calculators to determine mortgage payment, calculate APR, assess affordability and much more.

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Home Buyer Guide

First time home buyer? Make the most of your home buying experience with our guided route to home ownership. See what steps you can expect in the process.

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Property Insurance

From your first home to your forever home, we have the tools to find the right coverage at competitive prices. Get a free, no-obligation quote today.

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Home Equity Line of Credit 

Do you already own a home but need to access the equity you have put into it? Learn about how a Home Equity Line of Credit may be right for you.

Blog Post: Read More