Rates current as of 8-11-2017

Checking Accounts

Platinum Advantage Checking
Minimum Balance APY*
$2,500 0.15 %
$25,000 0.20 %
$100,000 0.30 %
Minimum opening deposit is $50


Premier Interest Checking
Minimum Balance APY*
$0 0.05 %
$1,000 0.10 %
$25,000 0.15 %
$100,000 0.25 %
Minimum opening deposit is $50


Money Market
Minimum Balance APY*
$0 0.20 %
$20,000 0.25 %
$100,000 0.40 %
Minimum opening deposit is $5,000


Savings Accounts

SOAR Statement Savings
Balance APY*
Less than $25,000 0.10 %
$25,000 or more 0.20 %
Minimum opening deposit of $25


eHoliday Club

APY*
Minimum opening deposit of $10 0.25 %

*The Annual Percentage Yields (APY) shown are offered on accounts accepted by AmeriServ Financial and are effective for the dates shown above, unless otherwise noted. Rates are subject to change without notice. Fees may apply if minimum balance requirements are not met. Fees may reduce earnings.
Rates current as of 8-11-2017

Time Deposit Accounts (CD)

Term Minimum Deposit APY*
3 Month $2,500 0.25 %
90 Day (Flexible CD) $1,000 0.74 %
6 Month $1,000 0.35 %
9 Month $1,000 0.35 %
1 Year $1,000 0.40 %
18 Month $1,000 0.50 %
2 Year $1,000 0.60 %
2 Year (Flexible CD) $1,000 1.08 %
30 Month $1,000 0.65 %
30 Month MaxLift CD (with checking).
Rate starts at 0.65% and increases
every 6-months of original term.
$1,000 1.30 %
30 Month MaxLift (without checking).
Rate starts at .15% and increases every
6-months of original term.
$1,000 0.80 %
3 Year $1,000 1.44 %
4 Year $1,000 1.50 %
5 Year $1,000 1.20 %
10 Year $1,000 1.40 %

Individual Retirement Account (IRA)

Term Minimum Deposit APY*
Accumulation IRA N/A 0.50 %
182 Day $1,000 0.35 %
18 Month $1,000 0.50 %
30 Month $1,000 0.65 %
1 Year $1,000 0.40 %
2 Year $1,000 0.60 %
3 Year $1,000 1.44 %
4 Year $1,000 1.50 %
5 Year $1,000 1.20 %
10 Year $1,000 1.40 %
Education IRA N/A 0.68 %
Other Rates and Terms Available - Call 1-800-837-BANK (2265) for complete information

*The Annual Percentage Yields (APY) shown are offered on accounts accepted at AmeriServ Financial and are effective for the dates shown above, unless otherwise noted. Rates are subject to change without notice. Member FDIC. Other rates and terms may apply. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. E-mail or call AmeriServ Financial at 1-800-837-BANK for more details.

Rates current as of 8-11-2017

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% $732.44
60 months 3.39% 3.39% $458.05
84 months 3.59% 3.59% $343.33
120 months 3.99% 3.99% $258.98
144 months 4.74% 4.74% $231.10
180 months 4.74% 4.74% $197.57

(1A) Introductory APR is in effect 6 months from the date of contract. After expiration of the introductory period, the rate will revert to the standard rate (currently 4.25% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum of $10,000 advance of new money at closing is required for discounted introductory APR.

(1B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (4.25% currently) with a minimum APR of 4.00%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $475) 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 equal to the lesser of 2% of the loan amount or $295. Based upon a review of your credit and maximum LTV of less than 89.9%. 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). A $75 fee will be charged for each fixed rate advance you establish in the credit line at the time it is established; fee waived if fixed advance is established at line closing. Other fees and conditions may apply. Subject to change or withdrawal without notice.

(2A) Introductory Rate is in effect for 6 months from date of contract. After expiration of the introductory period, the rate will revert to the standard rate (currently 4.25% APR) . Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. A minimum $10,000 advance of new money at closing is required for discounted rate.

(2B) Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (4.25% currently) with a minimum APR of 3.25%, and a maximum APR of 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $475) 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 equal to the lesser of 2% of the loan amount or $295. Based upon a review of your credit and maximum LTV of less than 89.9%. 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). A $75 fee will be charged for each fixed rate advance you establish in the credit line at the time it is established; fee waived if fixed advance is established at line closing. Other fees and conditions may apply. Subject to change or withdrawal without notice.

(3) Annual Percentage Rates (APRs) and terms are provided as examples only and are subject to change without notice. Estimated monthly payment and APRs based on a $25,000 loan amount. Home is primary residence.



Convenient automatic payment transfer from an AmeriServ checking account is available.
Please contact us for other rates and terms at 1-800-837-BANK (2265).


Rates current as of 8-11-2017

Automobile & Light Truck Loans

Model Year/Maximum Term Rate APR Estimated Mo. Payment
New 2017-2016 for 72 months 3.49%3.665%$154.93
Used 2016-2012 for up to 60 months 4.49%4.697%$187.33
Used 2011-2009 for up to 36 months 5.74%6.077%$304.57
Annual Percentage Rates (APRs) and terms are provided as examples only and are subject to change without notice. APR and estimated monthly payment based on a $10,000 loan amount. Maximum loan value of 100%. Maximum loan term available based on model year.



 

Motorcycle Loans

Model Year/Maximum Term Rate APR Estimated Mo. Payment
New 2017-2016 for 60 months 4.49%4.697%$187.33
Used 2016-2012 for up to 60 months 5.74%5.948%$193.09
Used 2011-2009 for up to 36 months 6.74%7.078%$309.13
Annual Percentage Rates (APRs) and terms are provided as examples only and are subject to change without notice. APR and estimated monthly payment based on a $10,000 loan amount. Maximum loan to value of 100%. Maximum term loan available based on model year.



 

Personal Loan (Unsecured)

Maximum Term Rate APR Estimated Mo. Payment
60-Month 9.95%10.377%$107.17
Annual Percentage Rate (APR) and term are provided as examples only and are subject to change without notice. Minimum loan amount of $2,000 is required. APR and estimated monthly payment is based on a $5,000 loan.



 

Personal Line Of Credit (Unsecured)

Type APR
 
Line of Credit7.25%
 
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. An annual fee of $50 will be imposed on the account anniversary date.
    

Rates current as of 08-22-2017

Conventional Mortgages

Term Rate APR Points
30-Year Fixed 3.75 % 3.881 % 0.000%
20-Year Fixed 3.50 % 3.68 % 0.000%
15-Year Fixed 3.000 % 3.226 % 0.000%
10-Year Fixed 2.875 % 3.203 % 0.000%
7-Year Adjustable Rate* 3.500 % 3.928 % 0.000%

FHA Mortgage

Loan limits vary by county
FHA 30-Year Fixed 3.25 % 4.131 % 0.000%

VA Mortgage

VA 30-Year Fixed 3.25 % 3.514 % 0.000%

USDA - Rural Housing Program

USDA 30-Year Fixed 3.25 % 3.689 % 0.000%

The example mortgage Annual Percentage Rates (APRs) shown are the current rates to purchase a single-family primary residence based on a $125,000 loan amount at 80% loan-to-value (LTV). Rates are subject to change without notice. Other factors which can adjust your loan pricing include, but are not limited to: credit profile, property type, LTV, and lock period. For complete details, specific rates, and terms, contact the Mortgage Loan Officer nearest you.

Example mortgage loan for a conventional fixed rate mortgage:
A $125,000 30-year term loan with a down payment of 20% and a 5.081% APR (5.00% interest rate) would result in a monthly interest and principal payment of $671.03 (assumes no points paid on loan). Example payment does not reflect amounts for property taxes and hazard insurance. Your actual payment may be higher to include these amounts.

*The 7-year adjustable rate mortgage is subject to a rate increase after consummation.