Partnerships that pay.
Affinity
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 TodayAre you eligible?
These offers are extended to Affinity members, their parents, their children, and their siblings.
Find a program that fits you.
Mortgage
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 01-22-2020
All mortgage rates listed with zero points. Inquire about rate buy down options.
| Product | Interest Rate | APR | Points |
Conventional Mortgage |
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| 30-Year Fixed | 3.500% | 3.553% | 0% |
| 20-Year Fixed | 3.375% | 3.448% | 0% |
| 15-Year Fixed | 3.125% | 3.216% | 0% |
| 10-Year Fixed | 3.000% | 3.130% | 0% |
| 7-Year Adjustable Rate (Fully indexed rate is 4.217%) |
4.000% | 4.190% | 0% |
FHA Mortgage
|
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| FHA 30-Year Fixed | 2.750% | 3.762% | 0% |
VA Mortgage |
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| VA 30-Year Fixed | 2.875% | 3.080% | 0% |
USDA Rural Housing Program |
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| USDA 30-Year Fixed | 2.875% | 3.350% | 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) | 4.75% – After Introductory Period | Under $75,000 |
| Introductory APR (2A) | 2.49% – Effective for 6 Months | More than $75,000 |
| Standard APR (2B) | 4.75% – 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 | 3.64% | 3.775% | $ 734.06 |
| 60 months | 3.74% | 3.823% | $ 457.46 |
| 84 months | 3.99% | 4.050% | $ 341.58 |
| 120 months | 4.24% | 4.283% | $ 255.96 |
| 180 months | 4.74% | 4.770% | $ 194.31 |
Personal Line of Credit (4)
| APR | |||
| Line of Credit | 7.75% | ||
| NOTE: Details for all footnote indications can be found by clicking the Disclosures button. | |||