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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Ameriserv Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Ameriserv Bank's CD/IRA - 6-Month Promotion rates are at 4.00%, CD/IRA - 18-Month rates are at 3.26%, CD/IRA - 6-Month rates are at 2.52%, CD/IRA - 2 Year rates are at 2.30%, CD/IRA - 1 Year rates are at 2.25%. Ameriserv Bank's savings rates are at 0.25%. Ameriserv Bank's money market rates are at 0.25%. Ameriserv Bank's checking rates are as high as 0.05%. Ameriserv Bank's Conventional Mortgage - 15-Year Fixed rates are at 6.375%, Conventional Mortgage - 10-Year Fixed rates are at 6.50%, VA 30-Year Fixed rates are at 6.50%, Conventional Mortgage - 30-Year Fixed rates are at 7.00%, Conventional Mortgage - 20-Year Fixed rates are at 7.00%. Ameriserv Bank's Personal Loan Rates are as low as 10.00%. Ameriserv Bank's top CD rate of 4.00% APY on a 6 month CD is 43% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Ameriserv Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.69%. Rates last updated and verified on 11/05/2026. Ameriserv Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ameriserv Bank? Share your experience about Ameriserv Bank by leaving a review below, or read customer reviews before you decide to use Ameriserv Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Ameriserv Bank CD Rates
Ameriserv Bank Savings Rates
Ameriserv Bank Money Market Rates
Ameriserv Bank Checking Rates
Ameriserv Bank Mortgage Rates
Ameriserv Bank Home Equity & HELOC
Ameriserv Bank Auto Loan Rates
Ameriserv Bank RV, Boat and Powersport Loan Rates
Ameriserv Bank Personal Loan Rates
Financial Health HistoryAmeriserv Bank’s Texas Ratio stayed near 5.22% in Q3 2023 to 5.69% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ameriserv Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Ameriserv Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ameriserv Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Ameriserv Bank
Website
https://www.ameriserv.com
Address
216 Franklin St,
Johnstown, PA 15901 · Cambria
Bank Holding Company
AMERISERV FINANCIAL INC
FDIC Certificate #
7542
Regulator
FED
Established
September 23, 1933
FDIC Insurance Date
January 1, 1934
Domestic Offices
17
Total Branches
17
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.69%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8775%
Return on Equity (ROE)
8.9800%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
$1,458,453,000
Total Deposits
$1,263,920,000
Equity Capital
$144,405,000
Net Income
$6,401,000
Headquarters
Johnstown
Total Branches and Offices
17
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Ameriserv Bank
Frequently Asked Questions About Ameriserv BankDoes Ameriserv Bank offer CDs?Yes. Ameriserv Bank current CD rates include its CD/IRA - 6-Month Promotion at 4.00% APY, its CD/IRA - 18-Month at 3.26% APY and its CD/IRA - 6-Month at 2.52% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Ameriserv Bank FDIC insured?Yes. Ameriserv Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Ameriserv Bank?The highest Ameriserv Bank CD rate is its CD/IRA - 6-Month Promotion at 4.00% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Ameriserv Bank offer?Ameriserv Bank CD rates are 4.00% APY for a 6 month CD, 2.25% APY for a 12 month CD, 3.26% APY for an 18 month CD, 2.30% APY for a 2 year CD, 2.05% APY for a 3 year CD, 2.15% APY for a 4 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Ameriserv Bank for its full lineup. What is the highest savings rate at Ameriserv Bank?The highest Ameriserv Bank savings rate is its SOAR Statement Savings - eHoliday Club at 0.25% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Ameriserv Bank?The highest Ameriserv Bank money market rate is its Money Market at 0.25% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Ameriserv Bank?The highest Ameriserv Bank checking rate is its ComfortLife Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest 30 year fixed mortgage rate at Ameriserv Bank?The lowest Ameriserv Bank 30 year fixed mortgage rate is its FHA 30-Year Fixed at 6.375%, verified by MonitorBankRates as of November 5, 2026. Ameriserv Bank mortgage rates are 7.00% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.50% for a 10 year mortgage. What is the lowest auto loan rate at Ameriserv Bank?The lowest Ameriserv Bank auto loan rate is its Automobile & Light Truck Loan at 6.49%, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at Ameriserv Bank?The lowest Ameriserv Bank personal loan rate is its Personal Line of Credit (Unsecured) at 10.00% APR, verified by MonitorBankRates as of November 5, 2026. Ameriserv Bank personal loan rates are 10.74% for a 36 month personal loan and 12.74% for a 60 month personal loan. How many branches does Ameriserv Bank operate?Ameriserv Bank currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ameriserv Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ameriserv Bank provides members with tools to manage their accounts and build a solid financial history. Does Ameriserv Bank offer online and mobile banking?Most modern institutions like Ameriserv Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ameriserv.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Ameriserv Bank rates compare?Ameriserv Bank's top CD rate of 4.00% APY on a 6 month CD is 43% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. Ameriserv Bank's top rates are its CD/IRA - 6-Month Promotion at 4.00% APY, its SOAR Statement Savings - eHoliday Club at 0.25% APY, its Money Market at 0.25% APY, its ComfortLife Checking at 0.05% APY, its Conventional Mortgage - 15-Year Fixed at 6.375% and its Personal Line of Credit (Unsecured) at 10.00% APR, verified by MonitorBankRates on November 5, 2026. Current Ameriserv Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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