AmeriServ Financial

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Personal Banking
 DEPOSIT PRODUCTS
CONSUMER LENDING
Home Equity Loans
Auto Loans
Educational Loans
Lines of Credit
Mortgages
Personal Loans
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CONSUMER LENDING

Need money? AmeriServ Financial offers
quick approvals, along with convenient terms and
competitive rates. If you live within a 15 mile radius of an AmeriServ Financial banking office, our Loan Patrol® will bring the application right to your home or office (some people still don't believe a bank delivers!). Click here for our current Rates. For more information or to apply for a
consumer loan over the phone, please call 1-800-837-BANK.

Home Equity Loans
Turn the equity you have in your home into a ready source of credit for education, auto, home improvement, bill consolidation, vacation or medical expenses. Home Equity Loans have a fixed payment and a fixed interest rate. Your interest may even be tax deductible – be sure to check with your tax adviser to see if you qualify. We also offer the convenience of a Home Equity Credit Line. Once approved, you can write your own loan whenever you need extra cash. You pay interest only on the portion of your line that you use. As you pay off your line, the money becomes available for you to use again and again.

Auto Loans
Buying a car is easy at AmeriServ Financial. Choose a term from 6 months up to 6 years (depending on the model year). Pay with a coupon book or have the payments automatically deducted from your AmeriServ Financial checking account and save more.


Educational Loans
You've come to expect an extra level of service from AmeriServ Financial, and you'll find just that with our student loans. We'll act as a liaison between you, the school, PHEAA or Sallie Mae. We've been answering Student Loan questions for more than 30 years. If Education loans and tuition have you confused, call our education experts. We offer a range of government-sponsored, long-term, low-interest loans, including Stafford and Federal PLUS loans, and we know about funding an education.

Lines of Credit
For your convenience, we offer two different types of credit lines. The Personal Line of Credit gives you a pre-approved amount of cash to use again and again. Apply once and write yourself a loan whenever you need extra cash. You'll be charged a variable rate of interest only on the amount you use. We also offer Home Equity Lines of Credit featuring the lowest credit line rate. Your interest may even be tax deductible – check with your tax adviser to see if you qualify. Order special checks with your line of credit and write yourself a loan for that special purchase or when you need extra cash.

Mortgages
We guarantee a 2-day approval and 14-day closing for qualified mortgage loan applicants – call or e-mail us for complete program details. Choose a variable or fixed rate mortgage with terms up to 30 years. AmeriServ Residential Lending Division will even help you determine your mortgage lending limits with one convenient call to 1-800-837-BANK. For more information on our homebuying services, visit our mortgage pages.

Personal Loans
Perhaps you'd like to take the vacation of a lifetime. Maybe have a big wedding for your daughter. Or you just want to consolidate your bills. Whatever your needs, we have a personal loan option that meets them. Pay with a coupon book, or you can have the payments automatically deducted from your checking account.

* SAVE MORE WITH THE MONEYSAVING OPTION! We offer the MoneySaving bi-weekly payment option with these loans. Pay off your loan sooner, so you pay less interest over the life of the loan. Instead of making one large monthly payment, you make two smaller payments every two weeks. To make your life easier, payments are automatically deducted from your checking or savings account.


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Collage of man, woman and money.