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
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.
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
.35%
.35%
.40%
.40%
12 months .90%
.90%
.90%
.90%
18 months
.95%
.95%
.95%
.95%
24 months 1.05% 1.05%
1.10%
1.10%
36 months
1.55% 1.56%
1.65%
1.66%
48 months
1.55% 1.56%
1.65%
1.66%
60 months
1.80% 1.81%
1.80%
1.81%
CD Specials!
 
9 months - Interest rate 1.30%, APY 1.30%
Will automatically renew into 6 month CD
Minimum deposit $5,000.00, maximum deposit $250,000.00
 
15 months - Interest rate 1.90%, APY 1.91%
Will automatically renew into 12 month CD
Minimum deposit $5,000.00, maximum deposit $250,000.00
 

*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.


Individual Retirement Accounts (IRAs)
Term  Interest Rate
APY*
Premium 6 month
1.10%
1.10% 
12 month
.90%
.90%
24 month 1.10%
1.10%
36 month
1.65%
1.66%
48 month
1.65%
1.66%
60 month 1.70% 1.71%
*Annual Percentage Yield
IRAs require a minimum of $250 opening deposit

Premium IRA Savings Account
Term  Interest Rate
APY*
None
1.10%
1.10% 
*Annual Percentage Yield
Rate is subject to change. $100 minimum deposit is required. Interest is paid semi-annually. No minimum balance or monthly service charge. 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 .35%
.35%
$50


$1,000 to $4,999.99 .25%
.25%
$50


$0 to $999.99
.10%
.10%
$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
.10%
.10%
$50


$2,500 to $4,999.99
.10%
.10%
$50


$5,000 to $9,999.99
.10%
.10%
$50


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


$10,000 to $24,999.99
.25%
.25%
$2,500


$25,000 to $99,999.99 .30%
.30%
$2,500


$100,000 & Over .40%
.40%
$2,500
Statement Savings
Quarterly $.01 & Above
.10%
.10%
$50
Student Savings
Semi-Annual
$.01 & Above
.10%
.10% $25
Holiday Club
Annual $.01 & Above .10% .10% $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
Program  Fee (Point)
Interest Rate
APR*
30-Yr Fixed 0 Points (ST)
by quote
by quote
30-Yr Fixed
0 Points (SL)
by quote
by quote
20-Yr Fixed
0 Points (ST)
by quote
by quote
20-Yr Fixed
0 Points (SL)
by quote
by quote
15-Yr Fixed 0 Points (ST)
by quote
by quote
15-Yr Fixed
0 Points (SL)
by quote
by quote

*Annual Percentage Rate
ST - Servicing Transferred (must make four payments to refinance)
SL - Serviced Locally
Rates quoted on Conventional FHLMC loans are based upon a $250,000 loan with a 20% down payment, and a 30-year term.
Rates may change several time daily, call for an exact quote.

In-house Loans and Residential Construction Loans
Program  Fee (Point)
Interest Rate
Construction Loan 9 month term
(1-4 family owner occupied)
$500 initial fee
Contact lender for full details
Prime Rate - .50% 
Fixed - 9 months

All rates quoted are subject to change
Variable rates may increase or decrease after consummation
American Bank lends only to clients who reside within a 100-mile radius of our branches
Conversion Fees not included in rates
Monthly interest-only payments are required on construction loan balances
Rates quoted on In-House Loans are based upon an $80,000 loan with a 20% down payment, and a 25-year amortization.

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