PSEA and AmeriServ Bank® have partnered to offer you exclusive loan programs. Whether you're looking to purchase or refinance your mortgage, need a home equity loan or a personal line of credit, we've got you covered.

AmeriServ is the preferred mortgage and consumer lender for PSEA members, their parents and children, and is proud to be one of only 10 unionized banks in the country, located right here in PA.

If you're looking to purchase or refinance a home in Pennsylvania, save big with PSEA MortgageEdge.
This program includes:
  • Low interest rates on mortgages. In fact, we're not sure you'll find a lower rate anyplace else!
  • For a limited time, no loan origination fees ($645 savings)
  • One FREE rate re-lock opportunity ($400 value)

What makes our Loan in a Line Home Equity product different than a common home equity loan?
  • The flexibility of a line of credit and a fixed rate loan in the same product
  • Minimum APR reduced 0.50% on the line of credit*
  • Low introductory rate offered on the line of credit
  • NO annual fee

Our personal line of credit** for PSEA members offers competitive rates, plus so much more!
  • NO processing fee
  • NO annual fee
  • NO collateral required
  • Great alternative to high interest rate credit cards

Have Questions?

Contact us Monday - Friday, 8:00 am to 5:00 pm.

In order to qualify for discounts and offers, you must access the program by calling the AmeriServ Loan Application Center's toll free number at 1-855-673-6456 or by completing a pre-qualification form.

If we are not available when you call, please leave a message and we'll respond within one business day.

These offers are exclusive to:
  • PSEA Members & Employees
  • Parents of PSEA Members and Employees
  • Children of PSEA Members and Employees

Lia Pritts
PSEA Mortgage Originator
1-855-673-6456, ext. 5261
Cindy Silka
PSEA Mortgage Originator
1-855-673-6456, ext. 5264

Other PSEA Member Benefit Opportunities related to Mortgage Lending include:

  1. Discount Mortgage Settlement Services: You may choose to utilize Guardian Transfer as your settlement company for your mortgage. Guardian Transfer is a PSEA endorsed program and provides a waiver of the document preparation fee ($125 value)

  2. Discount Real Estate Program: If you are buying and/or selling real estate, you may choose to utilize the PSEA Member benefit endorsed Home Edge Cash Back Real Estate program. Eligible cash back amounts range from $400 to $5,000 based on the sale price of the home. You must be enrolled in the program and be represented at closing by an approved agent with a participating real estate firm in order to qualify for the cash back bonus.

PSEA Member Benefits endorsement is limited to AmeriServ’s Residential Mortgages which is referred to as the Mortgage Edge program and Home Equity line of credit and Personal line of credit. PSEA does not represent that its Endorsed Products are right for all members. Each individual must assess the appropriateness of the Endorsed Products for herself or himself. PSEA does not give investment, tax, or legal advice.

Disclaimer of Warranties: PSEA makes no representation or warranties of any kind, either expressed or implied, including but not limited to the advisability of buying or selling a house. Under no circumstances shall PSEA be liable for any consequential, incidental, or indirect damage.

* Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (3.25% currently) with a minimum APR of 3.50%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $450) and title insurance, if required. If you close your account within 36-months of account opening, you will be charged an Account Closing Fee of $295. Based upon a review of your credit and maximum LTV of less than 90%. Home is your primary residence. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($1,650 $2,400).Other fees and conditions may apply. Subject to change or withdrawal without notice.

**  Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal Prime Rate and may increase upon consumption, with a lifetime minimum of 7.00% APR and a maximum of 18.00% APR.