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PSEA Member Benefits and AmeriServ Bank® have partnered to offer you exclusive loan programs. Whether you need a mortgage, refinance, home equity loan, or a personal line of credit, PSEA Member Benefits can help you save through our partnership with AmeriServ. Headquartered in Johnstown, PA with multiple branch locations throughout the state, AmeriServ has served Pennsylvanians' banking needs since 1901.

AmeriServ offers three benefit programs:

  • Mortgage discount program
  • Home equity credit line (Loan in a Line)
  • Personal line of credit

Program Benefits

PSEA Mortgage Discount Program

  • Low interest rates on mortgages
  • No loan origination fees (limited time offer, savings of $695)
  • One FREE rate relock opportunity ($400 value)
  • Available to PSEA Member and their families (spouses, parents, children, and siblings)

Credit Lines

Home Equity Credit Line

  • Secured by primary residence
  • 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)
  • Rates are the prime rate with a minimum rate of 3.5%. Call for current rates
  • No Annual Fee ($25 annual PSEA discount)
  • Low 15-month introductory rate
  • Home equity loans up to 90% Loan-to-Value (LTV)

Personal Line of Credit

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

Settlement services

Want to save money on settlement services for your refinance or purchase of real estate?

Advise AmeriServ Bank that you would like to use Guardian Transfer for your settlement/title insurance and pay no settlement fee. PSEA Members and their families can save approximately $250 or more!

PSEA Members and their families (parents, children, brothers & sisters) can save on settlement/title insurance when purchasing or financing a home by using Guardian Transfer. Combine AmeriServ’s great products with Guardian Transfer’s settlement services to maximize your savings!

Guardian Transfer Program Benefits:

  • Great service
  • No settlement fees
  • Notary fees capped at $25 for refinancing and $15 for the purchase of real estate
  • Electronic transfer fees capped at $25
  • Available for home purchases or refinances
  • Ability to close in a convenient location for the member

Contact AmeriServ

Visit or call 1-855-673-6456 for more information.