Disclosures

Mortgages

The example mortgage Annual Percentage Rates (APRs) shown are current as of 03-22-2018 to purchase a single-family primary residence based on a $175,000 loan amount at 80% loan-to-value (LTV). Rates are subject to change without notice. Other factors which can adjust your loan pricing include, but are not limited to: credit profile, property type, LTV, and lock period. For complete details, specific rates, and terms, contact the Mortgage Loan Officer nearest you.

Example mortgage loan for a conventional fixed rate mortgage:

A $175,000 30-year term loan with a down payment of 20% and a 4.602% APR (4.50% interest rate) would result in a monthly interest and principal payment of $886.70 (assumes no points paid on loan). Example payment does not reflect amounts for property taxes and hazard insurance. Your actual payment may be higher to include these amounts.

The payments shown for the adjustable rate mortgage include the estimated payment during the adjustable period based on the index currently in effect. The actual payments may be higher or lower depending on the index on the rate adjustment date. Rates shown are in effect for the first seven years only and may increase or decrease thereafter. The listed APR for the full 30-year term is based upon the current 1 Year Libor Index and margin. Rates shown are for a 30-year term, 7/1 ARM and are subject to change without notice. The rates and monthly payments displayed assume a loan amount of $175,000 and 80% loan-to-value (LTV).

Example mortgage loan for an adjustable rate mortgage:

Based on the current market conditions, a $175,000 7/1 ARM with a down payment of 20% and a 4.609% APR (4.25% initial interest rate) would result in the following payment schedule:

  • 84 principal and interest payments of $860.89
  • 276 principal and interest payments of $903.05, based upon the current fully indexed rate of 4.75%

Example payment does not reflect amounts for property taxes and insurance. Your actual payment may be higher to include these amounts.

Home Equity Line of Credit

(1A) Introductory APR is in effect four months from the date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.00% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum of $10,000 advance of new money at closing is required for discounted introductory APR.

(1B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (5.00% currently) with a minimum APR of 4.00%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee of equal to the lesser of 2% of the loan amount or $295. Lines are subject to a $25 annual fee, to be charged on each anniversary date. A $75 lock fee will be assessed each time a borrower creates a fixed rate advance within the line; fee waived if fixed advance is established at line opening. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible, consult your tax advisor.

(2A) Introductory Rate is in effect for four months from date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.00% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum $10,000 advance of new money at closing is required for discounted rate.

(2B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (5.00% currently) with a minimum APR of 3.25%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee of equal to the lesser of 2% of the loan amount or $295. Lines are subject to a $25 annual fee, to be charged on each anniversary date. A $75 lock fee will be assessed each time a borrower creates a fixed rate advance within the line; fee waived if fixed advance is established at line opening. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible, consult your tax advisor.

(3) Annual Percentage Rates (APRs) and terms are provided as examples only and are subject to change without notice. Estimated monthly payment and APRs based on a $25,000 loan amount.

Credit Cards

(1) Reward points can be redeemed as a cash deposit to a checking or savings account at AmeriServ® or as a statement credit to your credit card account within one to two billing cycles.

(2) Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

(3) Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

(4) The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

(5) Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

(6) Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

(7) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

(8) Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

Online Banking

* Messaging and data rates may apply from your wireless carrier when using mobile services
† iPhone and iPad are registered trademarks of Apple, Inc.
‡ Android is a trademark of Google, Inc.

We are constantly upgrading our online banking experience. For the latest information on all the features and benefits we have for our online customers, call us at 800-837-BANK or send us a message via our secure contact us form.


Online Statements (eStatements)

By selecting “eStatement Delivery” for the accounts listed on Internet Banking, you, other owners, or authorized representatives (“you”, “your” or “Owners”) of the accounts designated as “eStatement Delivery” (“Designated Accounts”) may receive electronic notice and delivery of account statements, account records, agreements, disclosures, and other information from AmeriServ Financial (“AmeriServ”) for such Designated Accounts (“Electronic Records”) by access through a secure web site (“Web Site”), as described herein (“eStatement Delivery Service”). The eStatement Delivery Service allows receipt of or access to an electronic version of paper-based bank account statements. After the customer signs-up for eStatement Delivery Service, statements will be made available on a monthly basis, 18 months of statements will be made available from initial eStatement received. This Service is provided to you free of charge and permits the flexibility of saving and printing account statements at any given time.

USING THIS SERVICE WILL STOP DELIVERY OF PAPER RECORDS
By your agreeing to use the eStatement Delivery Service to electronically access, review, download and print selected Electronic Records for your Designated Accounts, AmeriServ will no longer deliver the information contained in your selected Electronic Records in paper form. All accounts that currently have a paper statement will be included in the electronic delivery. Any accounts whose statements are combined with an account that uses electronic delivery will also be delivered electronically.

SOME TRANSACTION RECORDS MAY CONTINUE TO BE DELIVERED IN PAPER FORM
Even though you have requested electronic delivery of Electronic Records through the Web Site, AmeriServ, at its discretion, may deliver in paper form to your last postal service mailing address of record, certain records for your Designated Accounts.

YOU MAY STOP THE ESTATEMENT DELIVERY SERVICE AT ANY TIME
You or any Designated Account Owner may revoke consent for the eStatement Delivery Service at any time by written or verbal request to the bank at AmeriServ using one of the following contact channels:

  1.   By telephone at (814) 533-5300; or
  2.   By e-mail at: onlineadmin@ameriserv.com; or
  3.   By Postal Mail at AmeriServ Financial, Internet Department, 216 Franklin St, Johnstown, PA 15901-1902; or
  4.   In person at one of our locations.

Electronic posting of your Electronic Records on the Web Site will continue until: (i) termination of the eStatement Delivery Service, (ii) termination of your Designated Account with AmeriServ, or termination of your Online Banking Agreement with AmeriServ. AmeriServ may terminate the eStatement Delivery Service for any or all Designated Accounts or for any or all Transactions Records at any time. Upon such Termination delivery of paper copies of Electronic Records will resume within a reasonable time. Termination of the eStatement Delivery Service does not affect the validity or legal effect of any Electronic Record delivered to you or any Owners through the eStatement Delivery Service. Termination of the eStatement Delivery Service does not terminate the Online Banking Agreement unless otherwise so stated.

YOU MAY RECEIVE A PAPER COPY OF A TRANSACTION RECORD AT ANY TIME
AmeriServ will send you a paper copy of your Electronic Record previously delivered through the eStatement Delivery Service at your request. AmeriServ’s standard fee then in effect and charged for paper delivery of account statements will apply. Paper copies of Electronic Records can be requested by contacting AmeriServ:

  1.   By telephone at (814) 533-5300; or
  2.   By e-mail at: onlineadmin@ameriserv.com; or
  3.   By Postal Mail at AmeriServ Financial, Bookkeeping, 216 Franklin St, Johnstown, PA 15901-1902; or
  4.   In person at one of our locations.

A request for a paper copy does not cause a Termination of the eStatement Delivery Service. A paper copy of Electronic Records can be obtained for the fee in effect at the time of the request, until the copy is no longer required to be maintained as a record for the Designated Account under applicable law or regulation.

APPROPRIATE COMPUTER EQUIPMENT AND SOFTWARE ARE REQUIRED
You agree that you have or will have access at all times to personal computer capability that supports at your cost the eStatement Delivery Service’s requirement to receive and view Electronic Records in HTML or PDF form, high-level browser encryption, PDF file access, Internet and e-mail access. Computer equipment and software requirements to access eStatements are the same as the requirements to access the Internet Banking system. If the method of electronic delivery changes so as to require additional software, upgrades, plug-ins or additional security features in your hardware or software system used by you, you may terminate the eStatement Delivery Service or you agree to upgrade your hardware or software system to the required standards, software, applications or other feature(s) made available to you by appropriate hyperlink on the Web Site or otherwise. You must have access to and maintain a computer with the ability to download PDF files using Adobe Acrobat Reader¨ or other programs as AmeriServ may advise. You agree to maintain access to the Web Site in a manner that gives you continuous ability to access, review, download and print your Electronic Records.

YOU MAY INCUR ADDITIONAL COSTS FOR USING THE SERVICE
You understand that your accessing Electronic Records through the Web Site may incur certain costs, not payable to AmeriServ, associated with e-mail, electronic access, downloading, online time and subscription costs associated with Internet and telecommunications service providers, paper and printing costs, and equipment or software upgrades if necessary. You agree that you will pay all such costs and expenses in connection with your use of the eStatement Delivery Service.

INTERNET SERVICES AND E-MAIL MAY BE SUBJECT TO CERTAIN RISKS AND DISRUPTION
Certain risks are associated with the transmission of confidential Electronic Records through the Internet including but not limited to unauthorized access, systems outages, delays, disruptions in telecommunications services and the Internet. YOU MUST MAINTAIN INTERNET ACCESS AND REVIEW ALL TRANSACTION RECORDS.

It is each Owner’s sole responsibility to access and review promptly their Electronic Records. All terms in the Electronic Records for the Designated Accounts are binding on each Owner of the Designated Account just as if they were delivered in paper form. The Electronic Records are delivered in a manner to allow you immediate access to download and print the Electronic Records on your personal computer.

THIS AGREEMENT AMENDS AND IS IN ADDITION TO ALL OTHER AGREEMENTS
The terms and conditions and authorization and consent in this Agreement constitute an agreement (“Agreement”) by you to use the eStatement Delivery Service as described herein and may be modified or amended by AmeriServ upon written notice sent to you or by posting to the Web Site and sending you an email Notice or similar written notice thereof. By not cancelling your eStatement Delivery Service after such notification of change shall be understood as your agreement to be bound by all such changes. This Agreement is in addition to and part of the terms and conditions of the other agreement(s) governing your use of the AmeriServ Web Site, and your accounts and relationship with AmeriServ, and constitutes an amendment of those agreements specifically where sections relate to delivery of selected Electronic Records for Designated Accounts.

MISCELLANEOUS
This Agreement shall be governed by and construed in accordance with federal laws and the laws of the State of Pennsylvania, without regard to that state’s conflict of law principles. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect. This Agreement embodies the entire understanding and agreement between you and AmeriServ with respect to the eStatement Delivery Service and supersedes any prior understandings and agreements relating thereto.

CONSENT TO THE SERVICE
To consent to this service you must select “eStatement Delivery” and click the “Submit” button. By selecting “eStatement Delivery” and clicking “Submit”, you indicate your execution and acceptance of this Agreement and your authorization and informed consent to the delivery of Electronic Records selected for your Designated Accounts as described in this Agreement. By accepting these terms and conditions, you represent and warrant that you are authorized to do so on behalf of all Owners for the Designated Accounts.

Personal Checking Accounts

All criteria must be met in one month’s statement cycle to qualify for the fee reductions. Other bank’s surcharges may apply. ATM surcharge reimbursements will be made to the account at month/cycle end. Messaging and data rates may apply from your wireless carrier when using mobile services. If you have signed up for bill pay, you will be charged a $3.00 fee any month in which you do not make at least one payment.

Personal Savings Accounts

*Federal regulation permits no more than 6 transfers, withdrawals, or a combination of transfers and withdrawals per calendar month, including transfers to another account of the depositor at the same institution or a third party by means of preauthorized, telephone, or automatic transfer, or by check, draft, or debit card. You may make unlimited deposits or withdrawals at a branch. Failure to follow transfer limitation guidelines may result in your account being converted to a non-interest bearing account.

Business Checking Accounts

Contact a Business Services Officer for more detailed information on Business Accounts.

Business Savings Accounts

*Federal regulation permits no more than 6 transfers, withdrawals, or a combination of transfers and withdrawals per calendar month, including transfers to another account of the depositor at the same institution or a third party by means of preauthorized, telephone, or automatic transfer, or by check, draft, or debit card. You may make unlimited deposits or withdrawals at a branch. Failure to follow transfer limitation guidelines may result in your account being converted to a non-interest bearing account.

PSEA

PSEA Member Benefits endorsement is limited to AmeriServ’s Residential Mortgages, Home Equity line of credit and Personal line of credit. PSEA does not represent that its Endorsed Products are right for all members. Each individual must assess the appropriateness of the Endorsed Products for herself or himself. PSEA does not give investment, tax, or legal advice.

Disclaimer of Warranties: PSEA makes no representation or warranties of any kind, either expressed or implied, including but not limited to the advisability of buying or selling a house. Under no circumstances shall PSEA be liable for any consequential, incidental, or indirect damage.

(1)The example mortgage Annual Percentage Rates (APRs) shown are current as of 03-22-2018 to purchase a single-family primary residence based on a $175,000 loan amount at 80% loan-to-value (LTV). Rates are subject to change without notice. Other factors which can adjust your loan pricing include, but are not limited to: credit profile, property type, LTV, and lock period. For complete details, specific rates, and terms, contact a PSEA Mortgage Loan Officer.

An example conventional fixed rate mortgage:

A $175,000 30-year term loan with a down payment of 20% and a 4.568% Annual Percentage Rate (4.50% interest rate) would result in a monthly interest and principal payment of $886.70 (assumes no points paid on loan). Example payment does not reflect amounts for property taxes and hazard insurance. Your actual payment may be higher to include these amounts. For complete details, specific rates and terms, contact a Mortgage Loan Officer at the number above. Rates are subject to change without notice and are subject to credit approval.

An example adjustable rate mortgage:

Based on the current market conditions, a $175,000 7/1 ARM with a down payment of 20% and a 4.575% APR (4.25% initial interest rate) would result in the following payment schedule:

  • 84 principal and interest payments of $860.69
  • 276 principal and interest payments of $903.05, based upon the current fully indexed rate of 4.75%

Example payment does not reflect amounts for property taxes and insurance. Your actual payment may be higher to include these amounts.

(2) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (currently 5.00%).  Rates/terms will depend upon maximum line amount at opening. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee equal to the lesser of 2% of the line amount or $295. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible. Consult your tax advisor.

(3) Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal Prime Rate and may increase after account opening, with a lifetime minimum of 7.00% APR and a maximum of 18.00% APR.

PSEA Rates Table

(1A) Introductory APR is in effect four months from the date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.00% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum of $10,000 advance of new money at closing is required for discounted introductory APR.

(1B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (5.00% currently) with a minimum APR of 3.50%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee of equal to the lesser of 2% of the loan amount or $295. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible, consult your tax advisor.

(2A) Introductory Rate is in effect for four months from date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.00% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum $10,000 advance of new money at closing is required for discounted rate.

(2B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (5.00% currently) with a minimum APR of 3.25%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee of equal to the lesser of 2% of the loan amount or $295. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400. Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible, consult your tax advisor.

(3) Annual Percentage Rates (APRs) and terms are provided as examples only and are subject to change without notice. Estimated monthly payment and APRs based on a $25,000 loan amount. Home is primary residence.

(4) Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal Prime Rate and may increase after account opening, with a lifetime minimum of 7.00% and a maximum of 18% APR.

Affinity

(1) The example mortgage Annual Percentage Rates (APRs) shown are current as of 03-22-2018 to purchase a single-family primary residence based on a $175,000 loan amount at 80% loan-to-value (LTV). Rates are subject to change without notice. Other factors which can adjust your loan pricing include, but are not limited to: credit profile, property type, LTV, and lock period. For complete details, specific rates, and terms, contact an Affinity Mortgage Loan Officer.

An example conventional fixed rate mortgage:

A $175,000 30-year term loan with a down payment of 20% and a 4.568% Annual Percentage Rate (4.75% interest rate) would result in a monthly interest and principal payment of $886.70 (assumes no points paid on loan). Example payment does not reflect amounts for property taxes and hazard insurance. Your actual payment may be higher to include these amounts. For complete details, specific rates and terms, contact a Mortgage Loan Officer at the number above. Rates are subject to change without notice and are subject to credit approval.

An example adjustable rate mortgage:

Based on the current market conditions, a $175,000 7/1 ARM with a down payment of 20% and a 4.575% APR (4.25% initial interest rate) would result in the following payment schedule:

  • 84 principal and interest payments of $860.89
  • 276 principal and interest payments of $903.05, based upon the current fully indexed rate of 4.75%

Example payment does not reflect amounts for property taxes and insurance. Your actual payment may be higher to include these amounts.

(2) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (currently 5.00%).  Rates/terms will depend upon maximum line amount at opening. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee equal to the lesser of 2% of the line amount or $295. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible. Consult your tax advisor.

(3) Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal Prime Rate and may increase after account opening, with a lifetime minimum of 7.00% APR and a maximum of 18.00% APR.

Affinity Rates Table

(1A) Introductory APR is in effect four months from the date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.00% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum of $10,000 advance of new money at closing is required for discounted introductory APR.

(1B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (5.00% currently) with a minimum APR of 3.50%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee of equal to the lesser of 2% of the loan amount or $295. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible, consult your tax advisor.

(2A) Introductory Rate is in effect for four months from date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.00% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum $10,000 advance of new money at closing is required for discounted rate.

(2B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (5.00% currently) with a minimum APR of 3.25%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee of equal to the lesser of 2% of the loan amount or $295. Subject to credit approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650-$2,400. Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible, consult your tax advisor.

(3) Annual Percentage Rates (APRs) and terms are provided as examples only and are subject to change without notice. Estimated monthly payment and APRs based on a $25,000 loan amount. Home is primary residence.

(4) Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal Prime Rate and may increase after account opening, with a lifetime minimum of 7.00% and a maximum of 18% APR.


Online Access Agreement and Electronic Fund Transfer Disclosure
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Unlawful Internet Gambling Transaction Disclosure
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