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 11/27/2022

Term Interest Rate APR Points
30-Year Fixed 6.250% 6.370% 0%
20-Year Fixed 6.125% 6.282% 0%
15-Year Fixed 5.750% 5.940% 0%
10-Year Fixed 5.875% 6.148% 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 11/27/2022

Term Interest Rate APR Points
FHA 30-Year Fixed 6.000% 7.093% 0%

Loan limits vary by county.

VA Mortgage

As of 11/27/2022

Term Interest Rate APR Points
VA 30-Year Fixed 6.000% 6.309% 0%

Loan in a Line Home Equity

As of 11/27/2022

Type APR Loan Amount
Introductory APR (1A) 1.95% Effective for 4 Months Under $75,000
Standard APR (1B) 7.00% After Introductory Period Under $75,000
Introductory APR (2A) 1.95% Effective for 4 Months More than $75,000
Standard APR (2B) 7.00% 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 11/27/2022

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 11/27/2022

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 11/27/2022

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 11/27/2022

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 11/27/2022

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.

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