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 6/13/2025

Term Interest Rate APR Points
30-Year Fixed 6.750% 6.881% 0%
20-Year Fixed 6.500% 6.667% 0%
15-Year Fixed 5.875% 6.072% 0%
10-Year Fixed 5.875% 6.154% 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 6/13/2025

Term Interest Rate APR Points
FHA 30-Year Fixed 6.000% 7.096% 0%

Loan limits vary by county.

VA Mortgage

As of 6/13/2025

Term Interest Rate APR Points
VA 30-Year Fixed 6.125% 6.428% 0%

Loan in a Line Home Equity

As of 6/13/2025

Credit Line Rate Component

Type APR Duration Loan Amount
Introductory APR (1A) 2.55% Effective for 3 Months Under $75,000
Standard APR (1B) 7.50% After Introductory Period Under $75,000
Introductory APR (2A) 2.55% Effective for 3 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 5.55% 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 6/13/2025

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 6/13/2025

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 6/13/2025

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 6/13/2025

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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