Loan Rates

Rates effective as of January 22, 2019.

Note: American Trust lends only to customers who reside within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa. Quoted interest rates are subject to meeting certain credit standards. Please contact one of our loan originators to determine if you qualify for the quoted interest rate.

Auto Loan Rates

Loan Amount2013 and Older2014 and Newer
$4,001 + 4.25% APR* 4.00% APR*

 

  • * Annual Percentage Rate
  • $50 Documentation fee
  • Rates quoted assuming auto pay from an American Trust deposit account and 700 or greater credit score. Add .25% if no auto pay.
  • For an additional 6 months on term for used autos with low mileage, add .25%*
  • Maximum term on used autos will vary
  • Contact us for autos with mileage over 120,000
  • 72 month financing on new autos with MSRP over $20,000
  • 84 month financing on new autos with MSRP over $30,000

*Regulated by National Automobile Dealers Association

RV and Boat Loan Rates

Loan Amount60 Months144 Months180 Months240 Months
$150,000 + 6.00% APR* N/A 6.25% APR* 6.50% APR*
$75,000 - $149,999 6.00% APR* 6.25% APR* 6.50% APR* N/A
$25,000 - $74,999 6.00% APR* 6.25% APR* 6.50% APR* N/A
$10,000 - $24,999 6.00% APR* 6.25% APR* N/A N/A
  • * Annual Percentage Rate
  • All rates are fixed.
  • Variable Balloon rates are available on loans of $25,000 or more.
  • Rates quoted assuming auto pay from an American Trust deposit account and 700 or greater credit score. Add .25% if no auto pay.

Home Equity Loan Rates

Loan AmountUp to 60 Months60 Months180 Months Adjusting Every 5 Years
$60,001 + 6.00% APR* 6.00% APR* 6.00% APR*
$40,001 - $60,000 6.00% APR* 6.00% APR* 6.00% APR*
$5,000 - $40,000 6.00% APR* 6.00% APR* 6.00% APR*
  • * Annual Percentage Rate
  • All rates quoted are subject to change
  • 100% Home Equity loans and lines must have mortgage filed and be insured
  • Loans under $15,000 normal term 120 months
  • Rates quoted assuming auto pay from an American Trust deposit account and 700 or greater credit score. Add .25% if no auto pay.

Home Equity Line Rates

TermFixed RateVariable Rate
Loan to value 70% or less N/A Prime - 1.00% APR*
Loan to value 71% to 80% N/A Prime - 0.50% APR*
Loan to value 81% to 85% N/A Prime APR*
Loan to value 86% to 90% N/A Prime + 1.00% APR*
Executive Lines N/A Prime + 1.00% APR*
  • * Annual Percentage Rate
  • 4.0% Floor. 18% Ceiling.
  • Executive Lines have a floor of 4.00% and a ceiling of 18%
  • Rates quoted assuming auto pay from an American Trust deposit account and 700 or greater credit score. Add .25% if no auto pay.