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 02-15-2019
| Product | Interest Rate | APR | Points |
Conventional Mortgage |
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| 30-Year Fixed | 4.375% | 4.437% | 0% |
| 20-Year Fixed | 4.250% | 4.334% | 0% |
| 15-Year Fixed | 3.750% | 3.850% | 0% |
| 10-Year Fixed | 3.750% | 3.895% | 0% |
| 7-Year Adjustable Rate (Fully indexed rate is 5.289) |
4.500% | 4.948% | 0% |
FHA Mortgage
|
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| FHA 30-Year Fixed | 3.750% | 4.776% | 0% |
VA Mortgage |
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| VA 30-Year Fixed | 3.750% | 3.972% | 0% |
USDA Rural Housing Program |
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| USDA 30-Year Fixed | 3.750% | 4.237% | 0% |
Loan in a Line Home Equity
| APR | Loan Amount | |
| Introductory APR (1A) | 1.50% – Effective for 4 Months | Under $75,000 |
| Standard APR (1B) | 5.50% – After Introductory Period | Under $75,000 |
| Introductory APR (2A) | 1.50% – Effective for 4 Months | More than $75,000 |
| Standard APR (2B) | 5.50% – 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 | 4.39% | 4.383% | $ 742.36 |
| 60 months | 4.49% | 4.485% | $ 465.91 |
| 84 months | 4.74% | 4.736% | $ 350.26 |
| 120 months | 5.24% | 5.236% | $ 268.07 |
| 180 months | 5.74% | 5.738% | $ 207.44 |
Personal Line of Credit (4)
| APR | |||
| Line of Credit | 8.50% | ||
| NOTE: Details for all footnote indications can be found by clicking the Disclosures button. | |||