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 10/21/2026
| Term | Interest Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.375% | 7.474% | 0% |
| 20-Year Fixed | 7.375% | 7.503% | 0% |
| 15-Year Fixed | 6.750% | 6.902% | 0% |
| 10-Year Fixed | 7.000% | 7.217% | 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.
Example mortgage loan for a conventional fixed rate mortgage.
FHA Mortgage
As of 10/21/2026
| Term | Interest Rate | APR | Points |
|---|---|---|---|
| FHA 30-Year Fixed | 6.750% | 7.551% | 0% |
Loan limits vary by county.
VA Mortgage
As of 10/21/2026
| Term | Interest Rate | APR | Points |
|---|---|---|---|
| VA 30-Year Fixed | 6.875% | 7.155% | 0% |
Loan in a Line Home Equity
As of 10/21/2026
Credit Line Rate Component
| Type | APR | Duration | Loan Amount |
|---|---|---|---|
| Introductory APR (1A) | 2.99% | Effective for 3 Months | Under $75,000 |
| Standard APR (1B) | 7.00% | After Introductory Period | Under $75,000 |
| Introductory APR (2A) | 2.99% | Effective for 3 Months | More than $75,000 |
| Standard APR (2B) | 7.00% | After Introductory Period | More than $75,000 |
NOTE: Standard APR is variable. 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% | 6.192% | $760.44 |
| 60 months | 5.99% | 6.115% | $483.20 |
| 84 months | 6.14% | 6.231% | $366.89 |
| 120 months | 6.24% | 6.307% | $280.57 |
| 180 months | 6.74% | 6.788% | $221.09 |
NOTE: Details for all footnote indications can be found on the Disclosures page.
Automobile & Light Truck Loans
As of 10/21/2026
| Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
|---|---|---|---|
| Brand New, Previously Untitled vehicles for 36 months | 6.49% | 6.833% | $308.02 |
| Brand New, Previously Untitled vehicles for 72 months | 6.99% | 7.171% | $171.32 |
| Used model years 2022 & newer for up to 36 months | 7.49% | 7.838% | $312.61 |
| Used model years 2022 & newer for up to 60 months | 7.99% | 8.208% | $203.76 |
| Used 2019-2021 for up to 36 months | 9.49% | 9.841% | $321.92 |
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 10/21/2026
| Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
|---|---|---|---|
| Brand New, Previously Untitled for up to 60 months | 8.74% | 8.957% | $207.38 |
| Used model years 2022 & newer for up to 60 months | 9.74% | 9.962% | $212.28 |
| Used 2019-2021 for up to 36 months | 10.99% | 11.346% | $329.02 |
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 10/21/2026
| Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
|---|---|---|---|
| 36-Month | 10.74% | 11.449% | $164.75 |
| 60-Month | 12.74% | 13.197% | $114.26 |
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 10/21/2026
| Type | APR |
|---|---|
| Line of Credit | 10.00% |
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.
