
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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