Benefit Details


Home Equity Credit Line: Loan in a Line


Offered Through AmeriServ Bank

For PSEA Members:

AmeriServ Bank is headquartered in Johnstown, PA with multiple branch locations throughout the state. AmeriServ has been serving Pennsylvanians banking needs since 1901.

  • Secured by primary residence
  • Is it a Line of Credit? Fixed-Rate Loan? Both?
    • Always can be used as a Line of Credit
    • Can convert any portion of the line of credit into a fixed rate/fixed term home equity loan (up to 9 loans)
  • Loan in a Line rates are the prime rate with a minimum rate of 3.5%.  Call for current rates
  • No Annual Fee (A $25 annual PSEA discount)
  • Interest rate floor of 3.5% for PSEA Members (floor rates for non-PSEA members is 4%)
  • Low 6 month introductory rate
  • Home equity loans up to 90% Loan-to-Value (LTV)

Visit www.ameriserv.com/psea-members-only or call 1-855-673-6456 for more information or to apply.


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Mortgage Edge Discount Mortgage Program


Offered Through AmeriServ Bank

For PSEA Members

AmeriServ Bank is headquartered in Johnstown, PA with multiple branch locations throughout the state.  AmeriServ has been serving Pennsylvanians banking needs since 1901.

Benefits Available to PSEA Members, Members' Parents and Members' Children:

  • Low interest rates on mortgages
  • Lender fees of just $345 (A discount of $300 for PSEA Members & Members' Family)
  • One FREE interest rate relock opportunity ($400 value for PSEA Member & Members' Family)
    • Should interest rates fall after you lock your interest rate, you have the ability to relock your rate at a lower rate up to ten (10) business days before the scheduled closing date.
    • Most mortgage companies will not even allow an interest rate relock opportunity.  PSEA members and their family members get to relock for free!

Visit www.ameriserv.com/psea-members-only or call 1-855-673-6456 for more information or to apply.


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Personal Line of Credit


Offered Through AmeriServ Bank

For PSEA Members:

AmeriServ Bank is headquartered in Johnstown, PA with multiple branch locations throughout the state.  AmeriServ has been serving Pennsylvanians banking needs since 1901

Benefits Available to PSEA Members, Members' Parents and Members' Children:

  • Unsecured loans
  • Accessed by checks (No deposit account required)
  • No annual fee ($50 annual discount, and $49 processing fee waived for PSEA members)
  • Rates are prime rate plus 3% with a minimum rate of 7%

Visit www.ameriserv.com/psea-members-only or call 1-855-673-6456 for more information or to apply.


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Credit Counseling


Administered by National Foundation for Credit Counseling

For NEA Members:

  • Comprehensive financial and debt management services are available to NEA members and their families
  • One-on-one financial counseling
  • Financial education classes
  • Bankruptcy counseling and education
  • Housing counseling
  • Reverse mortgage counseling  

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NEA Home Financing Program


Administered by Wells Fargo Home Mortgage, Inc.

For NEA Members:

  • Purchase and refinance loans
  • First-time homebuyer programs
  • Low down payment options for qualified borrowers
  • FHA and VA loans
  • New construction and renovation loans
  • Second home and investment property programs
  • All NEA members and their families are eligible to participate in the Home Financing Program and receive promotions such as the $200 in gift cards

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Member Advocacy Center


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