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PSEA Member Benefits and AmeriServ BankĀ® 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

  • Market leading mortgage interest rates
  • No loan origination fees (savings of $695)
  • One FREE rate relock opportunity ($400 value)
    • NEW BENEFIT:  up to $250 credit on rate buy down options
  • Available to PSEA Member and their families (spouses, parents, children, and siblings)

Credit Lines

Home Equity Credit Line: Loan in a Line

  • Secured by primary residences
  • Is it a Line of Credit? 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 3.25% ($75,000 and over), or 3.5% (under $75,000). Call for current rates.
  • No Annual Fee ($25 annual PSEA discount)
  • Low introductory rates.
  • Home equity loans up to 89.9% 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 your lender, including the PSEA endorsed AmeriServ Bank, that you would like to use Capstone Land Transfer LLC for your settlement/title insurance and pay no settlement fees.  Capstone waives all fees for PSEA Members, offers state-wide service, and will conduct the settlement at a location that is convenient for you! 

PSEA Members and their families (parents, children, brothers & sisters) can save $415 on settlement/title insurance when purchasing or financing a home by using Capstone Land Transfer.  

Save even more by combining AmeriServ’s great mortgage rates, waived lender fees, free rate relock and $250 rate buy-down credit with Capstone Land Transfer’s settlement services to maximize your savings!

Capstone Land Transfer’s Settlement Fees Savings


Standard Fees

PSEA Benefit

Document Preparation



Settlement Fees



Electronic Download Fees



Notary Fees



Wire Fees



Courier Fees



Tax Certification Fees






For more information, please contact Capstone Land Transfer at 717-857-7772.

Contact AmeriServ

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