Perks you deserve.

PSEA Member Benefits

You give so much to the community. So AmeriServ wants to give back to you.

We have an exclusive partnership with the Pennsylvania State Education Association (PSEA) to offer members, their parents, and their children discounted features and benefits.

As the preferred mortgage and consumer lender for PSEA members, we pass with flying colors.

Pre-Qualify Today

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 ($645 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 PSEA 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)

 

PSEA Rates

As of 11-21-2017

Product Rate APR Points

Conventional Mortgage

30-Year Fixed 3.875% 3.973% 0%
20-Year Fixed 3.625% 3.759% 0%
15-Year Fixed 3.250% 3.419% 0%
10-Year Fixed 3.250% 3.496% 0%
7-Year Adjustable Rate
(Fully indexed rate is 4.080%)
3.625% 4.004% 0%

FHA Mortgage
Loan limits vary by county.

FHA 30-Year Fixed 3.250% 4.104% 0%

VA Mortgage

VA 30-Year Fixed 3.250% 3.490% 0%

USDA Rural Housing Program

USDA 30-Year Fixed 3.375% 3.789% 0%

Loan in a Line Home Equity

APR Loan Amount
Introductory APR (1A) 0.95% – Effective for 6 Months Under $75,000
Standard APR (1B) 4.25% – After Introductory Period Under $75,000
Introductory APR (2A) 0.95% – Effective for 6 Months More than $75,000
Standard APR (2B) 4.25 % – 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 3.19% 3.19% $ 729.13
60 months 3.39% 3.39% $ 453.56
84 months 3.59% 3.59% $ 337.02
120 months 3.99% 3.99% $ 252.99
144 months 4.74% 4.74% $ 227.98
180 months 4.74% 4.74% $ 194.33

Personal Line of Credit (4)

APR
Line of Credit 7.25%

 

Shop smart and save time.

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