Perks you deserve.
PSEA Member Benefits
You give so much to the community. So AmeriServ wants to give back to you.
As the preferred mortgage and consumer lender for PSEA members, we pass with flying colors.
Scroll down to see our current rates.
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We have an exclusive partnership with the Pennsylvania State Education Association (PSEA) to offer members, their parents, their children, and their siblings discounted features and benefits.
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 PSEA 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)
PSEA Rates
As of 04-21-2021
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 | 3.250% | 3.301% | 0% |
| 20-Year Fixed | 3.125% | 3.195% | 0% |
| 15-Year Fixed | 2.625% | 2.709% | 0% |
| 10-Year Fixed | 2.500% | 2.620% | 0% |
| 7-Year Adjustable Rate (Fully indexed rate is 3.885%) |
N/A | N/A | N/A |
FHA Mortgage (Not offered at this time)
|
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| FHA 30-Year Fixed | N/A | N/A | N/A |
VA Mortgage (Not offered at this time) |
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| VA 30-Year Fixed | N/A | N/A | N/A |
USDA Rural Housing Program (Not offered at this time) |
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| USDA 30-Year Fixed | N/A | N/A | N/A |
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. | |||