
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 4/1/2023
Term | Interest Rate | APR | Points |
---|---|---|---|
30-Year Fixed | 6.250% | 6.370% | 0% |
20-Year Fixed | 6.375% | 6.536% | 0% |
15-Year Fixed | 5.750% | 5.940% | 0% |
10-Year Fixed | 6.000% | 6.276% | 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 4/1/2023
Term | Interest Rate | APR | Points |
---|---|---|---|
FHA 30-Year Fixed | 5.625% | 6.711% | 0% |
Loan limits vary by county.
VA Mortgage
As of 4/1/2023
Term | Interest Rate | APR | Points |
---|---|---|---|
VA 30-Year Fixed | 5.625% | 5.923% | 0% |
Loan in a Line Home Equity
As of 4/1/2023
Type | APR | Loan Amount | |
---|---|---|---|
Introductory APR (1A) | 1.95% | Effective for 4 Months | Under $75,000 |
Standard APR (1B) | 8.00% | After Introductory Period | Under $75,000 |
Introductory APR (2A) | 1.95% | Effective for 4 Months | More than $75,000 |
Standard APR (2B) | 8.00% | After Introductory Period | More than $75,000 |
NOTE: Details for all footnote indications can be found on the Disclosures page.
Fixed Rate Home Equity Loans
As of 4/1/2023
Term | Interest Rate | APR | Estimated Monthly Payment |
---|---|---|---|
36 months | 5.24% | 5.235% | $752.02 |
60 months | 5.24% | 5.237% | $474.56 |
84 months | 5.54% | 5.538% | $359.75 |
120 months | 5.74% | 5.738% | $274.32 |
180 months | 6.24% | 6.239% | $214.24 |
NOTE: Details for all footnote indications can be found on the Disclosures page.
Automobile & Light Truck Loans
As of 4/1/2023
Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
---|---|---|---|
Brand New, Previously Untitled vehicles for 36 months | 5.74% | 6.077% | $304.02 |
Brand New, Previously Untitled vehicles for 72 months | 6.24% | 6.417% | $167.73 |
Used model years 2018 & newer for up to 36 months | 6.74% | 7.093% | $309.26 |
Used model years 2018 & newer for up to 60 months | 7.24% | 7.460% | $200.23 |
Used 2017-2015 for up to 36 months | 8.74% | 9.095% | $318.52 |
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 4/1/2023
Model Year/Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
---|---|---|---|
Brand New, Previously Untitled for up to 60 months | 7.99% | 8.201% | $203.78 |
Used model years 2018 & newer for up to 60 months | 8.99% | 9.203% | $208.62 |
Used 2017-2015 for up to 36 months | 10.24% | 10.581% | $325.50 |
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 4/1/2023
Maximum Term | Interest Rate | APR | Estimated Mo. Payment |
---|---|---|---|
36-Month | 9.99% | 10.712% | $163.06 |
60-Month | 11.99% | 12.451% | $112.40 |
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 4/1/2023
Type | APR |
---|---|
Line of Credit | 11.00% |
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.

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