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 2/14/2025

Term Interest Rate APR Points
30-Year Fixed 6.875% 7.007% 0%
20-Year Fixed 7.000% 7.175% 0%
15-Year Fixed 6.250% 6.453% 0%
10-Year Fixed 6.375% 6.665% 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 2/14/2025

Term Interest Rate APR Points
FHA 30-Year Fixed 6.125% 7.223% 0%

Loan limits vary by county.

VA Mortgage

As of 2/14/2025

Term Interest Rate APR Points
VA 30-Year Fixed 6.250% 6.556% 0%

Loan in a Line Home Equity

As of 2/14/2025

Credit Line Rate Component

Type APR Loan Amount
Introductory APR (1A) 2.95% Effective for 4 Months Under $75,000
Standard APR (1B) 7.50% After Introductory Period Under $75,000
Introductory APR (2A) 2.95% Effective for 4 Months More than $75,000
Standard APR (2B) 7.50% 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 5.99% 6.192% $760.44
60 months 5.99% 6.115% $483.20
84 months 5.99% 6.081% $365.09
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 2/14/2025

Model Year/Maximum Term Interest Rate APR Estimated Mo. Payment
Brand New, Previously Untitled vehicles for 36 months 6.49% 6.820% $307.95
Brand New, Previously Untitled vehicles for 72 months 6.99% 7.163% $171.28
Used model years 2020 & newer for up to 36 months 7.49% 7.834% $312.60
Used model years 2020 & newer for up to 60 months 7.99% 8.240% $203.75
Used 2019-2017 for up to 36 months 9.49% 9.834% $321.89

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 2/14/2025

Model Year/Maximum Term Interest Rate APR Estimated Mo. Payment
Brand New, Previously Untitled for up to 60 months 8.74% 8.946% $207.32
Used model years 2020 & newer for up to 60 months 9.74% 9.947% $212.21
Used 2019-2017 for up to 36 months 10.99% 11.318% $328.89

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 2/14/2025

Maximum Term Interest Rate APR Estimated Mo. Payment
36-Month 10.74% 11.440% $164.74
60-Month 12.74% 13.190% $114.25

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 2/14/2025

Type APR
Line of Credit 10.50%

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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