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 06/21/2026
| Term | Interest Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 6.375% | 6.464% | 0% |
| 20-Year Fixed | 6.375% | 6.493% | 0% |
| 15-Year Fixed | 5.750% | 5.891% | 0% |
| 10-Year Fixed | 5.875% | 6.077% | 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 06/21/2026
| Term | Interest Rate | APR | Points |
|---|---|---|---|
| FHA 30-Year Fixed | 5.750% | 6.532% | 0% |
Loan limits vary by county.
VA Mortgage
As of 06/21/2026
| Term | Interest Rate | APR | Points |
|---|---|---|---|
| VA 30-Year Fixed | 5.750% | 6.007% | 0% |
Loan in a Line Home Equity
As of 06/21/2026
Credit Line Rate Component
| Type | APR | Duration | Loan Amount |
|---|---|---|---|
| Introductory APR (1A) | 2.55% | Effective for 3 Months | Under $75,000 |
| Standard APR (1B) | 6.75% | After Introductory Period | Under $75,000 |
| Introductory APR (2A) | 2.55% | Effective for 3 Months | More than $75,000 |
| Standard APR (2B) | 6.75% | 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 | 5.55% | 5.751% | $755.46 |
| 60 months | 5.55% | 5.674% | $478.11 |
| 84 months | 5.89% | 5.982% | $363.90 |
| 120 months | 5.99% | 6.056% | $277.43 |
| 180 months | 6.49% | 6.538% | $217.64 |
NOTE: Details for all footnote indications can be found on the Disclosures page.
Automobile & Light Truck Loans
As of 06/21/2026
| Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
|---|---|---|---|
| Brand New, Previously Untitled vehicles for 36 months | 6.24% | 6.586% | $306.87 |
| Brand New, Previously Untitled vehicles for 72 months | 6.74% | 6.920% | $170.11 |
| Used model years 2021 & newer for up to 36 months | 7.24% | 7.586% | $311.46 |
| Used model years 2021 & newer for up to 60 months | 7.74% | 7.957% | $202.55 |
| Used 2018-2020 for up to 36 months | 9.24% | 9.592% | $320.75 |
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 06/21/2026
| Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
|---|---|---|---|
| Brand New, Previously Untitled for up to 60 months | 8.49% | 8.706% | $206.17 |
| Used model years 2021 & newer for up to 60 months | 9.49% | 9.711% | $211.05 |
| Used 2018-2020 for up to 36 months | 10.74% | 11.094% | $327.83 |
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 06/21/2026
| Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
|---|---|---|---|
| 36-Month | 10.49% | 11.196% | $164.15 |
| 60-Month | 12.49% | 12.944% | $113.62 |
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 06/21/2026
| Type | APR |
|---|---|
| Line of Credit | 9.75% |
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.
