Current Deposit Rates | American Bank & Trust

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Rates

Our current rates on a variety of products.

Print Rates

Consumer Deposit Rates

Rates accurate as of 12.06.2025

Green Plus Checking
Earn interest on the entire balance

Tiers	Base APY ¹
All Balances	0.05%

55+ Checking
Earn interest on the entire balance

Tiers	Base APY ¹
All Balances	0.05%

Preferred Plus Checking

Tiers	Base APY ¹
$0.00-$4,999.99	0.05%
$5,000.00 - $24,999.99	0.08%
$25,000.00 - $99,999.99	0.12%
$100,000.00 and up	0.15%

Money Market

Tiers	Base APY ¹	Platinum APY ^1,2	Diamond APY ^1,2
$0.00-$9,999.99	0.02%	0.17%	0.22%
$10,000.00-$49,999.99	0.05%	0.20%	0.25%
$50,000.00-$249,999.99	0.08%	0.23%	0.28%
$250,000.00-$499,999.99	0.10%	0.25%	0.30%
> $500,000.00	0.12%	0.27%	0.32%

High Yield Money Market³

Tiers	Base APY ¹	Platinum APY ^1,2	Diamond APY ^1,2
$25,000.00 - $49,999.99	2.22%	2.37%	2.42%
$50,000.00 - $149,999.99	2.48%	2.63%	2.68%
$150,000.00 - $249,999.99	2.63%	2.78%	2.83%
$250,000.00 - $999,999.99	2.84%	2.99%	3.04%
$1,000,000 +	2.83%	2.98%	3.03%

Personal Savings
Earn interest on the entire balance

Tiers	Base APY ¹	Gold APY ^1,2	Platinum APY ^1,2	Diamond APY ^1,2
All Balances	0.01%	0.11%	0.16%	0.21%

Mint Savings
Earn interest on the entire balance

Tiers	Base APY ¹	Gold APY ^1,2	Platinum APY ^1,2	Diamond APY ^1,2
All Balances	0.11%	0.21%	0.26%	0.31%

Health Savings Account (HSA)
Earn interest on the entire balance

Tiers	Base APY ¹
All Balances	0.50%

Certificate of Deposits (CDs)⁴
$500 to Open

Term	Base APY ¹	Platinum APY ^1,2	Diamond APY ^1,2
3 Months	0.05%	0.20%	0.25%
6 Months	3.50%	3.65%	3.70%
9 Months	1.30%	1.45%	1.50%
12 Months	3.25%	3.40%	3.45%
18 Months	1.79%	1.94%	1.99%
24 Months	2.06%	2.21%	2.26%
36 Months	1.12%	1.27%	1.32%
48 Months	0.98%	1.13%	1.18%
60 Months	1.22%	1.37%	1.42%

¹ Annual Percentage Yield (APY) subject to change without notice. Fees could reduce earnings.
² See Relationship Package Qualifications.
³ Frequency of rate changes: The interest rate on your account may change monthly on the second Tuesday of each month based on the 13 Week Treasury Bill rate disclosed in the Wall Street Journal.
⁴ Early withdrawal penalty may be imposed.