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), rate buy down options (up to $250), 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 Loan Specialist.
Talk to Lia Pritts or Cindy Silka.
Call 1-855-673-6456, Monday – Friday (8:00 – 5:00)
Affinity Rates
As of 01-07-2021
All mortgage rates listed with zero points. Inquire about rate buy down options.
Rates listed below are for refinance transactions. Inquire with Lender for purchase loan rates.
| Product | Interest Rate | APR | Points |
Conventional Mortgage |
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| 30-Year Fixed | 2.875% | 2.922% | 0% |
| 20-Year Fixed | 2.875% | 2.942% | 0% |
| 15-Year Fixed | 2.625% | 2.709% | 0% |
| 10-Year Fixed | 2.625% | 2.747% | 0% |
| 7-Year Adjustable Rate (Fully indexed rate is 3.885%) |
3.750% | 3.872% | 0% |
FHA Mortgage
|
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| FHA 30-Year Fixed | 2.250% | 3.256% | 0% |
VA Mortgage |
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| VA 30-Year Fixed | 2.250% | 2.455 | 0% |
USDA Rural Housing Program |
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| 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) | 3.50% – 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 | 3.24% (4) | 3.297% | $ 333.69 |
| 120 months | 3.24% (4) | 3.281% | $ 244.66 |
| 180 months | 3.99% | 4.019% | $ 185.15 |
Personal Line of Credit (5)
| APR | |||
| Line of Credit | 6.25% | ||
| NOTE: Details for all footnote indications can be found by clicking the Disclosures button. | |||