Partnerships that pay.


Working together always comes with perks.

The Affinity program is designed to extend exclusive loan offers to companies and organizations that have a special relationship with AmeriServ.

Whether your employees are looking to purchase or refinance a mortgage, need a home equity loan or a personal line of credit, we’ve got them covered.

Pre-Qualify Today

Are you eligible?

These offers are extended to Affinity members, their parents, their children, and their siblings.

Find a program that fits you.


Save big when you refinance or purchase a home in Pennsylvania. We can help lower your costs by waiving loan origination fees ($695 value), offering one free rate re-lock opportunity ($400 value) and providing the low rates you deserve.

Loan in a Line Home Equity

We put you in control of your lending needs with our Loan in a Line. Use the equity in your home as a credit line, or tackle those large expenses by using part of your line to grant yourself fixed-rate loans. With Loan in a Line, you’re in charge.

Personal Line of Credit

Avoid high-interest credit cards by taking out a personal line of credit, featuring special perks for Affinity members. Save money with no processing or annual fees, and enjoy the convenience of no required collateral.

Contact a Mortgage Originator.

Talk to Lia Pritts or Cindy Silka.

Call 1-855-673-6456, Monday – Friday (8:00 – 5:00)


Affinity Rates

As of 05-28-2020

All mortgage rates listed with zero points. Inquire about rate buy down options.

Product Interest Rate APR Points

Conventional Mortgage

30-Year Fixed 3.000% 3.048% 0%
20-Year Fixed 3.000% 3.069% 0%
15-Year Fixed 2.500% 2.582% 0%
10-Year Fixed 2.500% 2.620% 0%
7-Year Adjustable Rate
(Fully indexed rate is 3.885%)
3.750% 3.872% 0%

FHA Mortgage
Loan limits vary by county.

FHA 30-Year Fixed 2.250% 3.256% 0%

VA Mortgage

VA 30-Year Fixed 2.500% 2.582% 0%

USDA Rural Housing Program

USDA 30-Year Fixed 2.250% 2.717% 0%

Loan in a Line Home Equity

APR Loan Amount
Introductory APR (1A) 2.49% – Effective for 6 Months Under $75,000
Standard APR (1B) 4.00% – After Introductory Period Under $75,000
Introductory APR (2A) 2.49% – Effective for 6 Months More than $75,000
Standard APR (2B) 3.25% – After Introductory Period More than $75,000

Fixed Rate Home Equity Loans (3)
Fixed rate loan is available within the Loan in a Line Home Equity Loan only

Term Interest Rate APR Estimated Monthly Payment
36 months 2.99% 2.986% $ 726.88
60 months 3.24% 3.238% $ 451.86
84 months 3.74% 3.738% $ 338.71
120 months 3.99% 3.988% $ 252.98
180 months 4.24% 4.239% $ 187.93

Personal Line of Credit (4)

Line of Credit 6.25%
NOTE: Details for all footnote indications can be found by clicking the Disclosures button.

Shop smart and save time.

Pre-Qualify Today
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