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Rates

Interest rates effective as of

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Auto and Motorcycle Interest Rates
Loan Amount Year
Term
Loan to Value
Interest Rate
APR*
≥ $35,000
2018-2017
84 months
M.S.R.P.
2.99% 3.034%**
≥ $25,000
2018-2017
72 months
M.S.R.P.
2.99%
3.033%***
≤ $24,999
2018-2017
up to
72 months
M.S.R.P.
2.99%
3.032%+
> $3,000
2016-2012
60 months max NADA Clean Retail Value
3.34% 3.495%
> $3,000
2011-2008
60 months max
NADA Clean Retail Value
3.84% 4.015%
> $3,000
2007 and older
24 months max
NADA Trade-in Value
Contact Lender
Contact Lender

*Annual Percentage Rate
$75 Documentation fee and $10 D.M.V. filing fee apply
Rates quoted assuming auto pay from American Bank deposit account and 700 or greater credit score. Add .25% if no auto pay.
Vehicles over 80,000 miles or NOT from a dealer require bank inspection
**New cars based on $25,000 loan for 72 months
***New cars based on $35,000 loan for 84 months
+Used cars based on $10,000 loan for 60 months


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Boat/RV/ATV/UTV Loan Interest Rates
Loan Amount Term
Interest Rate
APR*
$25,000 - $150,000
60 months
5.29%
5.452%
$25,000 - $150,000
120 months
5.59%
5.716%
$3,000 - $25,000
60 months
5.29%
5.452%

*Annual Percentage Rate
$75 Documentation fee and $10 DMV filing fee apply
Rates quoted assuming auto pay from American Bank deposit account and 700 or greater credit score. Add .25% if no auto pay.
Vehicles NOT purchased from a dealer require a bank inspection
Rate based on $25,000 loan amount for term shown

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Home Equity Line Interest Rates
Loan to Value (LTV)
Fixed Interest Rate
Variable Interest Rate
70% or less
N/A
Prime - .50% APR*
71% to 80%
N/A
Prime APR*
81% to 90%
N/A
Prime + 1.00% APR*

*Annual Percentage Rate
9 month introductory rate of 1.99% reverts to LTV rate stated above at the end of 9 months.
Loans exceeding 85% LTV will be considered for existing American Bank clients only
4.25% floor. 18% ceiling.
Rates quoted assuming auto pay from American Bank deposit account and 700 or greater credit score. Add .25% if no auto pay.
Fixed rate amortizing second mortgage loans are available.

Estimated costs to open a Home Equity Line of Credit would be between $200 and $250, which may include:

  • $75 loan fee, $75 title search, $30 mortgage filing, $9 flood determination and $11.35 for credit report. 
  • Home Owners or Property insurance will be required


Contact a lender for terms.

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Certificates of Deposit (CDs)
Term  Interest Rate
APY*
CDs $50,000 +
APY* $50,000+
6 months
.50%
.50%
.75%
.75%
12 months 1.00%
1.00%
1.15%
1.15%
18 months
1.10%
1.10%
1.25%
1.25%
24 months 1.15% 1.15%
1.30%
1.30%
36 months
1.70% 1.71%
1.85%
1.86%
48 months
2.05% 2.06%
2.15%
2.16%
60 months
2.85% 2.87%
3.00%
3.02%

*Annual Percentage Yield
CDs require a minimum of $500 opening deposit
A penalty may be imposed for early withdrawal, including substantial tax penalties on tax-deferred instruments.
Interest paid at maturity on 3 month (when available) and 6 month CD's and semi-annually on all others.
On Certificates over $10,000, other payment options may be available.
The APY assumes that the interest rate will remain unchanged until maturity. A withdrawal of interest prior to maturity will reduce earnings and APY.

 
 
CD Specials!
 
Term  Investment Interest Rate
APY*
11 months** $500-$250,000
1.90%
1.91%




23 months** $500-$250,000  2.30% 2.31%




*Annual Percentage Yield
**$500 minimum deposit.
***$250,000 maximum.
 
Limited time offer. Interest is paid semi-annually and at maturity. An 11 month CD auto renews to six month CD. A 23 month CD auto renews to eighteen month CD. Penalty for early withdrawal. Ask for details.
 
 
Individual Retirement Accounts (IRAs)
Term  Interest Rate
APY*
Premium 6 month
1.30%
1.30% 
12 month
1.15%
1.15%
24 month 1.30%
1.30%
36 month
1.85%
1.86%
48 month
2.15%
2.16%
60 month 3.00% 3.02%
*Annual Percentage Yield 
$250 minimum opening deposit 
A penalty may be imposed for early withdrawal, including substantial tax penalties on tax-deferred instruments.
 

Premium IRA Savings Account
Term  Interest Rate
APY*
None
1.30%
1.30% 
*Annual Percentage Yield
Rate is subject to change. $100 minimum deposit is required. Interest is paid semi-annually. No minimum balance or monthly maintenance fee. No penalty for early withdrawal. Withdrawals are subject to IRA rules. Consult your tax advisor on tax implications. Personal accounts only. See a banker for details.

Health Savings Account (HSA)
Account 
Compound
Frequency
Investment
Interest
Rate
APY*
Minimum Balance
to Open
HSA

Monthly
$5,000 & over .50%
.50%
$50


$1,000 to $4,999.99 .30%
.30%
$50


$0 to $999.99
.15%
.15%
$50

*Annual Percentage Yield
Balance level determines daily interest rate and annual percentage yield on the entire available balance in your account.
 

 

Variable Rate Deposit Accounts
Account  Compound Frequency
Investment
Interest Rate
APY*
Minimum Balance to Open
Interest & AmeriClub Checking **

Monthly
Under $2,500
.15%
.15%
$50


$2,500 to $4,999.99
.15%
.15%
$50


$5,000 to $9,999.99
.15%
.15%
$50


$10,000 & Over
.15%
.15%
$50
Money Market **
Monthly
Under $10,000
.25%
.25%
$2,500


$10,000 to $24,999.99
.30%
.30%
$2,500


$25,000 to $99,999.99 .40%
.40%
$2,500


$100,000 & Over .45%
.45%
$2,500
Statement Savings
Quarterly $.01 & Above
.15%
.15%
$50
Student Savings
Semi-Annual
$.01 & Above
.15%
.15% $25
Holiday Club
Annual $.01 & Above .15% .15% $10

*Annual Percentage Yield
**The interest rate may change after the account is opened. Fees could reduce the earnings on these accounts.
Balance level determines daily interest rate and annual percentage yield on the entire available balance in your account.

Conventional FHLMC Loan Programs


Mortgage rates may change daily, please call for an exact quote.

In-house Loans and Residential Construction Loans
In-house rates and construction rates may change daily, please call for an exact quote.


Contact a lender for other rates or with questions about additional products or services.