Current Deposit and Loan Rates | American Bank & Trust

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Rates

Our current rates on a variety of products.

Print Rates

Deposit and Loan Rates

Rates accurate as of 12.07.2021

Deposit Rates

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%

Business Interest Checking
Earn interest on the entire balance

Tiers	Base APY ¹
All Balances	0.10%

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 Market

Tiers	Base APY ¹	Platinum APY ^1,2	Diamond APY ^1,2
$25,000.00 - $49,999.99	0.10%	0.25%	0.30%
$50,000.00 - $149,999.99	0.20%	0.35%	0.40%
$150,000.00 - $249,999.99	0.40%	0.55%	0.60%
$250,000.00	0.50%	0.65%	0.70%

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%

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

Tiers	Base APY ¹
All Balances	0.01%

Certificate of Deposits (CDs)³
$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	0.08%	0.23%	0.28%
12 Months	0.12%	0.27%	0.32%
18 Months	0.15%	0.30%	0.35%
24 Months	0.20%	0.35%	0.40%
36 Months	0.23%	0.38%	0.43%
48 Months	0.26%	0.41%	0.46%
60 Months	0.30%	0.45%	0.50%

¹ Annual Percentage Yield (APY) accurate as of 11.10.2021 and subject to change without notice. Fees could reduce earnings.
² See Relationship Package Qualifications.
³ Early withdrawal penalty may be imposed.

Loan Rates

Annual Percentage Rates (APRs) accurate as of 12.07.2021, and subject to change.

Auto Loans

Year	Maximum Term	APR^* as low as ...
2016 and newer	60 months	2.99%
2013 - 2015	54 months	2.99%
2008 - 2012	48 months	3.75%
2007 or older	36 months	4.50%

^* Auto Loan applicants must be at least 18 years of age. The APRs are accurate as of 12.07.2021 and based on vehicle year, automatic loan payments from an AMBank deposit account, and a 731 credit score. Your actual APR may vary based on the criteria mentioned. Examples:

1. A $10,000 60-month auto loan on a 2021 vehicle year at 2.99% APR would have 59 regular payments of $179.64 and a final payment of $179.80.

2. A $10,000 54-month auto loan on a 2015 vehicle year at 2.99% APR would have 53 regular payments of $198.15 and a final payment of $198.33.

3. A $10,000 48-month auto loan on a 2012 vehicle year at 3.75% APR would have 47 regular payments of $224.67 and a final payment of $224.85.

4. A $10,000 36-month auto loan on a 2007 vehicle year at 4.50% APR would have 35 regular payments of $297.47 and a final payment of $297.48.

Offers subject to credit approval.

Home Equity Loan (Fixed Rate)

Loan to Value	APR^** as low as ...
Less than 75%	3.75%
75.01% to 85%	3.99%
85.01% to 90%	4.25%

^**Loan applicants must be at least 18 years of age. APRs are accurate as of 12.07.2021 and based on a 731 credit score . For example, with this criteria in mind, a $25,000 Home Equity Loan at 3.75% APR for 72 months will have 71 payments of $388.29 and a final payment of $388.19. Example payments do not include amounts for taxes and insurance premiums, your payment obligation will be greater. Other rates and terms are available, some restrictions apply. Subject to credit approval.

Home Equity Line of Credit (Open-ended)

Loan to Value	APR^*** as low as ...
Less than 75%	2.75%
75.01% to 85%	3.00%
85.01% to 90%	3.75%

^***Loan applicants must be at least 18 years of age. APRs are accurate as of 12.07.2021 and based on a 731 credit score. Fees could range from $699.00 to $1,327.00. The rate is variable with a maximum APR of 18%. Property insurance is required. Subject to credit approval.

Unsecured Personal Loan

Term	APR^**** as low as ...
Max term 60 months	4.99%

^****Loan applicants must be at least 18 years of age. APR is accurate as of 12.07.2021 and based on a 731 credit score. Other rates and terms available, some restrictions apply. Subject to credit approval. For example, a $5,000 loan at 4.99% APR for 60 months has 59 payments of $94.33 and a final payment of $94.55.