
Loan Rates
When it comes to lending, we offer competitive rates that help you accomplish your goals.
Rates are subject to change without notice
Conventional Mortgage
As of 10/3/2023
Term | Interest Rate | APR | Points |
---|---|---|---|
30-Year Fixed | 7.375% | 7.517% | 0% |
20-Year Fixed | 7.625% | 7.814% | 0% |
15-Year Fixed | 7.000% | 7.220% | 0% |
10-Year Fixed | 7.000% | 7.309% | 0% |
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.
FHA Mortgage
As of 10/3/2023
Term | Interest Rate | APR | Points |
---|---|---|---|
FHA 30-Year Fixed | 6.625% | 7.734% | 0% |
Loan limits vary by county.
VA Mortgage
As of 10/3/2023
Term | Interest Rate | APR | Points |
---|---|---|---|
VA 30-Year Fixed | 6.750% | 7.079% | 0% |
Loan in a Line Home Equity
As of 10/3/2023
Credit Line Rate Component
Type | APR | Loan Amount | |
---|---|---|---|
Introductory APR (1A) | 2.95% | Effective for 4 Months | Under $75,000 |
Standard APR (1B) | 8.50% | After Introductory Period | Under $75,000 |
Introductory APR (2A) | 2.95% | Effective for 4 Months | More than $75,000 |
Standard APR (2B) | 8.50% | After Introductory Period | More than $75,000 |
NOTE: Details for all footnote indications can be found on the Disclosures page.
Fixed Rate Component
Term | Interest Rate | APR | Estimated Monthly Payment |
---|---|---|---|
36 months | 5.99% | 5.993% | $760.47 |
60 months | 5.99% | 5.992% | $483.22 |
84 months | 5.99% | 5.991% | $365.11 |
120 months | 6.24% | 6.241% | $280.58 |
180 months | 6.74% | 6.741% | $221.10 |
NOTE: Details for all footnote indications can be found on the Disclosures page.
Automobile & Light Truck Loans
As of 10/3/2023
Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
---|---|---|---|
Brand New, Previously Untitled vehicles for 36 months | 6.49% | 6.831% | $308.00 |
Brand New, Previously Untitled vehicles for 72 months | 6.99% | 7.169% | $171.30 |
Used model years 2019 & newer for up to 36 months | 7.49% | 7.847% | $312.66 |
Used model years 2019 & newer for up to 60 months | 7.99% | 8.213% | $203.79 |
Used 2018-2016 for up to 36 months | 9.49% | 9.850% | $321.97 |
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. A 0.25% discount is available for automatic debit from an AmeriServ deposit account.
Motorcycle Loans
As of 10/3/2023
Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
---|---|---|---|
Brand New, Previously Untitled for up to 60 months | 8.74% | 8.955% | $207.37 |
Used model years 2019 & newer for up to 60 months | 9.74% | 9.957% | $212.26 |
Used 2018-2016 for up to 36 months | 10.99% | 11.337% | $328.99 |
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. A 0.25% discount is available for automatic debit from an AmeriServ deposit account.
Personal Loan (Unsecured)
As of 10/3/2023
Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
---|---|---|---|
36-Month | 10.74% | 11.439% | $164.74 |
60-Month | 12.74% | 13.188% | $114.25 |
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. A 0.25% discount is available for automatic debit from an AmeriServ deposit account.
Personal Line of Credit (Unsecured)
As of 10/3/2023
Type | APR |
---|---|
Line of Credit | 11.50% |
Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal Prime Rate and may increase upon consummation, with a maximum of 18.00% APR. An annual fee of $50 will be imposed on the account anniversary date.

Mortgage Loans
Open the door to your dream home with a mortgage that fits your budget and lifestyle.

Personal Mobile Banking
Our mobile banking apps make managing your accounts on the go quick and easy.