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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Are you eligible?

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.


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 Ann Chiappelli by calling 1-855-673-6456, Monday – Friday (8:00 – 5:00)


PSEA Rates

As of 09-28-2022

All mortgage rates listed with zero points, unless otherwise noted. Inquire about rate buy down options.

Inquire with Lender for ARM and special financing programs.

Product Interest Rate APR Points

Conventional Mortgage

30-Year Fixed 6.500% 6.590% 0%
20-Year Fixed 6.750% 6.873% 0%
15-Year Fixed 5.875% 6.013% 0%
10-Year Fixed 6.000% 6.198% 0.00193%

FHA Mortgage
Loan limits vary by county.

FHA 30-Year Fixed 6.125% 7.191% 0%

VA Mortgage

VA 30-Year Fixed 6.250% 6.539% 0%

Loan in a Line Home Equity

APR Loan Amount
Introductory APR (1A) 0.95% – Effective for 4 Months Under $75,000
Standard APR (1B) 6.25% – After Introductory Period Under $75,000
Introductory APR (2A) 0.95% – Effective for 4 Months More than $75,000
Standard APR (2B) 6.25% – 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 3.99% 3.996% $ 738.05
60 months 3.99% 3.993% $ 460.34
84 months 4.29% 4.293% $ 345.10
120 months 4.49% 4.491% $ 258.99
180 months 4.99% 4.992% $ 197.59

Personal Line of Credit (4)

Line of Credit 9.25%
NOTE: Details for all footnote indications can be found by clicking the Disclosures button.

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