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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

  • Low interest rates on mortgages
  • No loan origination fees (limited time offer, savings of $645)
  • One FREE rate relock opportunity ($400 value)
  • Available to PSEA Member and their families (parents and children)

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)
  • Interest rate floor of 3.5% for PSEA Members (floor rates for non-PSEA members is 4%)
  • Low six-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)
  • Rates are prime rate plus 3% with a minimum rate of 7%

Contact AmeriServ

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