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American Bank & Trust

6-Month CD Special - 4.00% APY*

A great rate for a great term.

Certificates of Deposit (CD) Special Offer

Now through August 31, 2025, get a great rate of 4.00% APY* (3.96% Rate) for six months with as little as $500 to get started!

Product Features

Earn more interest on the money you don’t need to access every day.

FDIC-Insured
$500 minimum deposit for a CD
Interest compounds semi-annually
Six (6) month term
Bonus interest rates available with Relationship Packaging
No monthly fees
Free Online and Mobile Banking
Automatically renewable**

VIEW INTEREST RATES OPEN YOUR CD ONLINE

Withdrawals from a Certificate of Deposit prior to maturity or prior to any notice period may be restricted and may be subject to penalty. Fees could reduce earnings.

*APY = Annual Percentage Yield.

**This six-month term is for a limited time only. CD will automatically renew at the current six-month CD rate.

Traditional IRA
Best for … Typically, best if you expect to be in the same or lower tax bracket when he or she starts taking withdrawals.
Tax Implications Allows you to receive a tax deduction upfront if certain conditions are met. Earnings grow tax deferred.
Annual Contribution Limits $6,000, additional ($7,000 if you’re age 50 and older)
Income Eligibility Those with earned income below a certain level.
Minimum Distribution Mandatory distribution requirements at age 72.

Traditional IRA

Best for …

Typically, best if you expect to be in the same or lower tax bracket when he or she starts taking withdrawals.

Tax Implications

Allows you to receive a tax deduction upfront if certain conditions are met. Earnings grow tax deferred.

Annual Contribution Limits

$6,000, additional ($7,000 if you’re age 50 and older)

Income Eligibility

Those with earned income below a certain level.

Minimum Distribution

Mandatory distribution requirements at age 72.

Roth IRA
Best for … Generally best if you expect to be in a higher tax bracket when you start withdrawing funds.
Tax Implications Pay taxes upfront so withdrawals are tax-free when certain conditions are met.
Annual Contribution Limits $6,000, ($7,000 if you’re age 50 and older)
Income Eligibility Anyone with earned income.
Minimum Distribution Mandatory distribution requirements at age 72.

Roth IRA

Best for …

Generally best if you expect to be in a higher tax bracket when you start withdrawing funds.

Tax Implications

Pay taxes upfront so withdrawals are tax-free when certain conditions are met.

Annual Contribution Limits

$6,000, ($7,000 if you’re age 50 and older)

Income Eligibility

Anyone with earned income.

Minimum Distribution

Mandatory distribution requirements at age 72.

Still Have Questions?

To learn more about this special and other great products and services, or to open an account, give us a call or stop by one of our branch locations today!

American Bank & Trust