American Bank & Trust Company, Inc. rates: up to 4.45% APY
bank · FDIC CERT 35568 · www.ambanking.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| American Incentive Savings | $100 Minimum | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | No Minimum | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $500 Minimum | 0.70% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 90 Day Certificate of Deposit | 3 months | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 180 Day Certificate of Deposit | 5.9 months | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 9 Month Certificate of Deposit | 9 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 10 Month Certificate of Deposit | 10 months | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate of Deposit | 1 year | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 15 Month Month Certificate of Deposit | 15 months | 4.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Certificate of Deposit | 18 months | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate of Deposit | 2 years | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 30 Month Certificate of Deposit | 30 months | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Certificate of Deposit | 3 years | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate of Deposit | 4 years | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate of Deposit | 5 years | 3.10% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2,500.00 - $14,999.99 | 1.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $15,000.00 - $24,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000.00 - $49,999.99 | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00 - $99,999.99 | 2.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000.00 - $299,999.99 | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $300,000.00 - $999,999.99 | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000,000 > | 4.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| American Incentive Checking | $0.01 - $50,000.00 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| American Incentive Checking | Balances $0.01 and greater that do not meet requirements | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| American Incentive Checking | Balances over $50,000 | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.ambanking.com/interest-rates/ | 2026-11-01 23:23 UTC | ok | f9d126363353 |
| www.ambanking.com/cd-ira/ | — | extract-failed | |
| www.ambanking.com/personal-savings/ | — | extract-failed |