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 4/22/2024

Term Interest Rate APR Points
30-Year Fixed 7.250% 7.389% 0%
20-Year Fixed 7.375% 7.557% 0%
15-Year Fixed 6.750% 6.963% 0%
10-Year Fixed 6.875% 7.177% 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 4/22/2024

Term Interest Rate APR Points
FHA 30-Year Fixed 6.375% 7.478% 0%

Loan limits vary by county.

VA Mortgage

As of 4/22/2024

Term Interest Rate APR Points
VA 30-Year Fixed 6.500% 6.821% 0%

Loan in a Line Home Equity

As of 4/22/2024

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 6.24% 6.241% $763.27
60 months 6.24% 6.241% $486.11
84 months 6.24% 6.241% $368.10
120 months 6.49% 6.491% $283.74
180 months 6.99% 6.991% $224.57

NOTE: Details for all footnote indications can be found on the Disclosures page.

Automobile & Light Truck Loans

As of 4/22/2024

Model Year/Maximum Term Interest Rate APR Estimated Mo. Payment
Brand New, Previously Untitled vehicles for 36 months 6.74% 7.079% $309.13
Brand New, Previously Untitled vehicles for 72 months 7.24% 7.419% $172.51
Used model years 2019 & newer for up to 36 months 7.74% 8.095% $313.80
Used model years 2019 & newer for up to 60 months 8.24% 8.462% $204.98
Used 2018-2016 for up to 36 months 9.74% 10.097% $323.13

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 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 4/22/2024

Model Year/Maximum Term Interest Rate APR Estimated Mo. Payment
Brand New, Previously Untitled for up to 60 months 8.99% 9.204% $208.57
Used model years 2019 & newer for up to 60 months 9.99% 10.205% $213.48
Used 2018-2016 for up to 36 months 11.24% 11.584% $330.16

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 4/22/2024

Maximum Term Interest Rate APR Estimated Mo. Payment
36-Month 10.99% 11.684% $165.37
60-Month 12.99% 13.435% $114.93

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 4/22/2024

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.

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