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.
Mortgage1
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 Equity2
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 Credit3
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 10-19-2018
| Product | Rate | APR | Points |
Conventional Mortgage |
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| 30-Year Fixed | 4.875% | 4.943% | 0% |
| 20-Year Fixed | 4.750% | 4.841% | 0% |
| 15-Year Fixed | 4.375% | 4.485% | 0% |
| 10-Year Fixed | 4.250% | 4.405% | 0% |
| 7-Year Adjustable Rate (Fully indexed rate is 5.207%) |
5.125% | 5.277% | .125% |
FHA Mortgage
|
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| FHA 30-Year Fixed | 4.250% | 5.305% | 0% |
VA Mortgage |
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| VA 30-Year Fixed | 4.375% | 4.615% | 0% |
USDA Rural Housing Program |
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| USDA 30-Year Fixed | 4.375 | 4.876% | 0% |
Loan in a Line Home Equity
| APR | Loan Amount | |
| Introductory APR (1A) | 0.75% – Effective for 4 Months | Under $75,000 |
| Standard APR (1B) | 5.25% – After Introductory Period | Under $75,000 |
| Introductory APR (2A) | 0.75% – Effective for 4 Months | More than $75,000 |
| Standard APR (2B) | 5.25% – 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 | Rate | APR | Estimated Monthly Payment |
| 36 months | 4.29% | 4.284% | $ 741.26 |
| 60 months | 4.39% | 4.386% | $ 464.78 |
| 84 months | 4.59% | 4.587% | $ 348.52 |
| 120 months | 4.99% | 4.988% | $ 265.01 |
| 180 months | 5.59% | 5.588% | $ 205.44 |
Personal Line of Credit (4)
| APR | ||
| Line of Credit | 8.25% |