Deposit Rates

Rates effective as of May 24, 2018.

APY = Annual Percentage Yield. Fees may reduce earnings.

REWARDChecking*

BalanceRateAPY
Up to $15,000 2.97% 3.01%
Over $15,000 0.25% 0.25%
If qualifications not met 0.05% 0.05%

To earn your rewards, simply do the following activities and transactions in your REWARDChecking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear per monthly qualification cycle
  • Sign up for e-statements
  • Access your account online per monthly qualification cycle

Annual percentage yields (APY) for these accounts are in effect as of 6/18/12 and calculated based on the daily balance method. Qualifications apply. See a financial services representative for details or visit americantrust.bank. Rate tiers for REWARDChecking: 3.01% APY applies to balances up to $15,000 and 0.25% APY applies to the portion of the balance over $15,000 when requirements are met each earnings cycle. 0.05% APY applies to checking balances if qualifications are not met. Rate tiers for REWARDSavings and CASHBack Savings: 1.51% APY applies to savings balances up to $15,000 and 0.25% APY on balances over $15,000 when requirements are met each earnings cycle. 0.05% APY applies if qualifications are not met. 

REWARDSavings*

BalanceRateAPY
Up to $15,000 1.50% 1.51%
Over $15,000 0.25% 0.25%
If qualifications not met 0.05% 0.05%

To earn your rewards, simply do the following activities and transactions in your REWARDChecking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear per monthly qualification cycle
  • Sign up for e-statements
  • Access your account online per monthly qualification cycle

Annual percentage yields (APY) for these accounts are in effect as of 6/18/12 and calculated based on the daily balance method. Qualifications apply. See a financial services representative for details or visit americantrust.bank. Rate tiers for REWARDChecking: 3.01% APY applies to balances up to $15,000 and 0.25% APY applies to the portion of the balance over $15,000 when requirements are met each earnings cycle. 0.05% APY applies to checking balances if qualifications are not met. Rate tiers for REWARDSavings and CASHBack Savings: 1.51% APY applies to savings balances up to $15,000 and 0.25% APY on balances over $15,000 when requirements are met each earnings cycle. 0.05% APY applies if qualifications are not met. 

Reward Money Market

BalanceRateAPY
Under $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.50% 0.50%
$100,000 - $249,999.99 1.00% 1.00%
$250,000 + 1.25% 1.26%

Client must have a qualifying Reward Checking account and must qualify at least once every three cycles to maintain account. If client fails to qualify after three consecutive cycles the account will revert to regular Money Market APY.

Health Savings Accounts (HSAs)

BalanceRateAPY
Under $1,000 0.20% 0.20%
$1,000 - $4,999.99 0.30% 0.30%
$5,000 + 0.80% 0.80%

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

Deposit Accounts

AccountRateAPY
Interest Checking 0.20% 0.20%
Christmas Club 0.17% 0.17%
Statement Savings 0.20% 0.20%

Certificates of Deposit

Special Certificates of Deposit

TermMinimum InvestmentRateAPY
23 Months $50,000 2.00% 2.01%
23 Months $100,000 2.10% 2.11%
49 Months   $25,000 2.25% 2.26%
49 Months   $50,000 2.50% 2.52%
49 Months   $100,000 2.60% 2.62%

Special certificate of deposit rates apply for personal accounts only.

Regular Certificates of Deposit

TermMinimum BalanceRateAPY
3 Months $2,000 0.10% 0.10%
3 Months $25,000 0.10% 0.10%
3 Months $50,000 0.15% 0.15%
6 Months $2,000 0.30% 0.30%
6 Months $25,000 0.35% 0.35%
6 Months $50,000 0.40% 0.40%
9 Months $2,000 0.30% 0.30%
9 Months $25,000 0.40% 0.40%
9 Months $50,000 0.40% 0.40%
12 Months $2,000 0.30% 0.30%
12 Months $25,000 0.35% 0.35%
12 Months $50,000 0.40% 0.40%
18 Months $2,000 0.35% 0.35%
18 Months $25,000 0.40% 0.40%
18 Months $50,000 0.45% 0.45%
21 Months $2,000 0.40% 0.40%
21 Months $25,000 0.45% 0.45%
21 Months $50,000 0.50% 0.50%
24 Months $2,000 0.50% 0.50%
24 Months $25,000 0.55% 0.55%
24 Months $50,000 0.60% 0.60%
30 Months $2,000 0.60% 0.60%
30 Months $25,000 0.65% 0.65%
30 Months $50,000 0.70% 0.70%
36 Months $2,000 0.70% 0.70%
36 Months $25,000 0.75% 0.75%
36 Months $50,000 0.80% 0.80%
60 Months $2,000 1.25% 1.25%
60 Months $25,000 1.51% 1.52%
60 Months $50,000 1.51% 1.52%

Certificates of deposit are available to minors with a custodian for a minimum $500 deposit or more. Ask a personal banker for details.

Money Market Investment Account²

BalanceRateAPY
Under $4,999 0.20% 0.20%
$5,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.25%
$100,000+ 0.30% 0.30%

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

Individual Retirement Accounts (IRAs)

AccountRateAPY
IRA Money Market 1.51% 1.52%