Loan In A Line

^*1 The 5.75% fixed rate loan is available within the Loan in a Line home equity credit line product. The rate is valid for terms of 61-120 months and requires a minimum of $10,000 advance of new money not already borrowed with AmeriServ. Other rates and terms available.

² Introductory Rate available on credit line portion of Loan in a Line home equity product and is in effect 3 months from date of contract. After expiration of introductory period, the rate will revert to the standard rate (Prime + 0%, currently 6.75% APR).

³ Home is your primary residence in Pennsylvania and Maryland only. Refinances of existing Loan in a Line accounts, loans done simultaneously with a residential mortgage (combo loans), bridge or temporary financing, and loans secured by secondary residences are not eligible for the introductory rate. A minimum $10,000 new money advance at closing is required to obtain discounted introductory rate. Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (6.75% as of 06/21/2026) with a minimum APR of 3.25% and a maximum APR of 18.00%. The advertised non-introductory rate is for lines $75,000 and over. Closing costs will be paid by the Bank, except for appraisals (an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee equal to the lesser of 2% of the loan amount or $295; except in Maryland. For loans secured by property in Maryland, you will be required to reimburse bank paid closing costs. Subject to approval based upon a review of your credit and maximum LTV of less than 89.9%. Property insurance and flood insurance (if applicable) is required. Lines over $250,000 may require title insurance ($1,625-$2,835). Other fees and conditions may apply. Subject to change or withdrawal without notice. Subject to credit approval. Interest paid may be tax deductible. Consult your tax advisor.

Additional Important Disclosures