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American Bank and Trust Company, N.A.

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American Bank and Trust Company, N.A. Rates & Review November 2026

Q: What are the current interest rates at American Bank and Trust Company, N.A.?

Current rates for American Bank and Trust Company, N.A. include: 12-Month CD: 3.47%, 18-Month CD: 1.79%, 24-Month CD: 4.15%, 36-Month CD: 1.12%, 48-Month CD: 0.98%, 60-Month CD: 1.22%, Savings: 0.50%, MMA: 3.30%

Q: What CD terms does American Bank and Trust Company, N.A. offer?

American Bank and Trust Company, N.A. CD rates are 3.47% APY for a 12 month CD, 1.79% APY for an 18 month CD, 4.35% APY for a 2 year CD, 1.12% APY for a 3 year CD, 0.98% APY for a 4 year CD and 1.22% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with American Bank and Trust Company, N.A. for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

American Bank and Trust Company, N.A.'s 24-Month CD - Diamond rates are at 4.35%, CD (CDs) 24-Month - Diamond rates are at 4.35%, 24-Month CD - Platinum rates are at 4.30%, CD (CDs) 24-Month - Platinum rates are at 4.30%, 24-Month CD rates are at 4.15%. American Bank and Trust Company, N.A.'s savings rates are at 0.50%. American Bank and Trust Company, N.A.'s money market rates are at 3.30%. American Bank and Trust Company, N.A.'s checking rates are as high as 3.40%. American Bank and Trust Company, N.A.'s Personal Loan Rates are as low as 11.50%. American Bank and Trust Company, N.A.'s top CD rate of 4.35% APY on a 2 year CD is 48% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of American Bank and Trust Company, N.A. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.06%. Rates last updated and verified on 11/05/2026.

American Bank and Trust Company, N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Bank and Trust Company, N.A.? Share your experience about American Bank and Trust Company, N.A. by leaving a review below, or read customer reviews before you decide to use American Bank and Trust Company, N.A..

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.06%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

American Bank and Trust Company, National Association

4301 E 53rd St
Davenport, IA 52807

https://www.goambank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

American Bank and Trust Company, N.A. CD Rates

Product	Rate	APY	Term	Min. Deposit
24-Month CD - Diamond	-	4.35%	24 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 24-month - Diamond	-	4.35%	24 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
24-Month CD - Platinum	-	4.30%	24 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 24-month - Platinum	-	4.30%	24 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
24-Month CD	-	4.15%	24 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 24-month	-	4.15%	24 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.30% / low 3.95% Oct 20, 20264.15%▼ from 4.30% Oct 14, 20264.30%▲ from 3.95% Sep 19, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
6-Month CD - Diamond	-	3.92%	6 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 6-month - Diamond	-	3.92%	6 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
6-Month CD - Platinum	-	3.87%	6 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 6-month - Platinum	-	3.87%	6 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
6-Month CD	-	3.72%	6 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.72% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 6-month	-	3.72%	6 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 3.70% → 3.72% ▲ 0.02 pts · high 3.87% / low 3.70% Oct 20, 20263.72%▼ from 3.87% Oct 14, 20263.87%▲ from 3.70% Sep 19, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
12-Month CD - Diamond	-	3.67%	12 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.67% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 12-month - Diamond	-	3.67%	12 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.67% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
12-Month CD - Platinum	-	3.62%	12 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.62% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 12-month - Platinum	-	3.62%	12 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.62% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
12-Month CD	-	3.47%	12 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.47% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 12-month	-	3.47%	12 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 3.45% → 3.47% ▲ 0.02 pts · high 3.62% / low 3.45% Oct 20, 20263.47%▼ from 3.62% Oct 14, 20263.62%▲ from 3.45% Sep 19, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
18-Month CD - Diamond	-	1.99%	18 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 18-month - Diamond	-	1.99%	18 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
18-Month CD - Platinum	-	1.94%	18 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.94% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 18-month - Platinum	-	1.94%	18 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.94% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
18-Month CD	-	1.79%	18 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 18-month	-	1.79%	18 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 1.94% → 1.79% ▼ 0.15 pts · high 1.94% / low 1.79% Oct 20, 20261.79%▼ from 1.94% Sep 19, 20261.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
9-Month CD - Diamond	-	1.50%	9 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 9-month - Diamond	-	1.50%	9 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
9-Month CD - Platinum	-	1.45%	9 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 9-month - Platinum	-	1.45%	9 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
60-Month CD - Diamond	-	1.42%	60 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.42% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 60-month - Diamond	-	1.42%	60 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.42% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
60-Month CD - Platinum	-	1.37%	60 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.37% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 60-month - Platinum	-	1.37%	60 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.37% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
36-Month CD - Diamond	-	1.32%	36 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.32% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 36-month - Diamond	-	1.32%	36 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.32% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
9-Month CD	-	1.30%	9 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 9-month	-	1.30%	9 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 1.45% → 1.30% ▼ 0.15 pts · high 1.45% / low 1.30% Oct 20, 20261.30%▼ from 1.45% Sep 19, 20261.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
36-Month CD - Platinum	-	1.27%	36 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 36-month - Platinum	-	1.27%	36 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
60-Month CD	-	1.22%	60 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.22% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 60-month	-	1.22%	60 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 1.37% → 1.22% ▼ 0.15 pts · high 1.37% / low 1.22% Oct 20, 20261.22%▼ from 1.37% Sep 19, 20261.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
48-Month CD - Diamond	-	1.18%	48 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 48-month - Diamond	-	1.18%	48 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.18% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
48-Month CD - Platinum	-	1.13%	48 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 48-month - Platinum	-	1.13%	48 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
36-Month CD	-	1.12%	36 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 36-month	-	1.12%	36 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 1.27% → 1.12% ▼ 0.15 pts · high 1.27% / low 1.12% Oct 20, 20261.12%▼ from 1.27% Sep 19, 20261.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
48-Month CD	-	0.98%	48 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.98% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 48-month	-	0.98%	48 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 1.13% → 0.98% ▼ 0.15 pts · high 1.13% / low 0.98% Oct 20, 20260.98%▼ from 1.13% Sep 19, 20261.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
3-Month CD - Diamond	-	0.25%	3 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 3-month - Diamond	-	0.25%	3 Months	$500
Min Deposit $500 Details Diamond APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
3-Month CD - Platinum	-	0.20%	3 Months	$500
Min Deposit $500 Details Relationship Package Qualifications apply; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 3-month - Platinum	-	0.20%	3 Months	$500
Min Deposit $500 Details Platinum APY; See Relationship Package Qualifications; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
3-Month CD	-	0.05%	3 Months	$500
Min Deposit $500 Details Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
CD (CDs) 3-month	-	0.05%	3 Months	$500
Min Deposit $500 Details Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 0.20% → 0.05% ▼ 0.15 pts · high 0.20% / low 0.05% Oct 20, 20260.05%▼ from 0.20% Sep 19, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	-	0.50%
Details Balance: All Balances; Base APY Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Mint Savings	-	0.31%
Min Balance $0 Details Balance: All Balances; Diamond APY Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Mint Savings	-	0.26%
Min Balance $0 Details Balance: All Balances; Platinum APY Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Mint Savings	-	0.21%
Min Balance $0 Details Balance: All Balances; Gold APY Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Personal Savings	-	0.21%
Details Balance: All Balances; Diamond APY; See Relationship Package Qualifications Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Personal Savings	-	0.16%
Details Balance: All Balances; Platinum APY; See Relationship Package Qualifications Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Mint Savings	-	0.11%
Min Balance $0 Details Balance: All Balances; Base APY Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Personal Savings	-	0.11%
Details Balance: All Balances; Gold APY; See Relationship Package Qualifications Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Personal Savings	-	0.01%
Details Balance: All Balances; Base APY; Early withdrawal penalty may be imposed Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Money Market Rates

Product	Rate	APY
High Yield Money Market - Diamond	-	3.30%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Platinum	-	3.25%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market	-	3.10%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Diamond	-	3.04%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Platinum	-	2.99%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.99% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market	-	2.84%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Diamond	-	2.83%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.83% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Platinum	-	2.78%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Diamond	-	2.68%
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.68% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Platinum	-	2.63%
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market	-	2.48%
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.48% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Diamond	-	2.42%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.42% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market - Platinum	-	2.37%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.37% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
High Yield Money Market	-	2.22%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.22% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.32%
Min Balance $500,000 Details Diamond APY column, > $500,000.00; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.12% → 0.32% ▲ 0.20 pts · high 0.32% / low 0.12% Oct 20, 20260.32%▲ from 0.12% Oct 14, 20260.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.30%
Min Balance $250,000 Details Diamond APY column, $250,000.00-$499,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.10% → 0.30% ▲ 0.20 pts · high 0.30% / low 0.10% Oct 20, 20260.30%▲ from 0.10% Oct 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.28%
Min Balance $50,000 Details Diamond APY column, $50,000.00-$249,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.08% → 0.28% ▲ 0.20 pts · high 0.28% / low 0.08% Oct 20, 20260.28%▲ from 0.08% Oct 14, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.27%
Min Balance $500,000 Details Platinum APY column, > $500,000.00; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.12% → 0.27% ▲ 0.15 pts · high 0.27% / low 0.12% Oct 20, 20260.27%▲ from 0.12% Oct 14, 20260.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.25%
Min Balance $250,000 Details Platinum APY column, $250,000.00-$499,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.10% → 0.25% ▲ 0.15 pts · high 0.25% / low 0.10% Oct 20, 20260.25%▲ from 0.10% Oct 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.25%
Min Balance $10,000 Details Diamond APY column, $10,000.00-$49,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Oct 20, 20260.25%▲ from 0.05% Oct 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.23%
Min Balance $50,000 Details Platinum APY column, $50,000.00-$249,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.08% → 0.23% ▲ 0.15 pts · high 0.23% / low 0.08% Oct 20, 20260.23%▲ from 0.08% Oct 14, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.22%
Min Balance $0 Details Diamond APY column, $0.00-$9,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.02% → 0.22% ▲ 0.20 pts · high 0.22% / low 0.02% Oct 20, 20260.22%▲ from 0.02% Oct 14, 20260.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.20%
Min Balance $10,000 Details Platinum APY column, $10,000.00-$49,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.05% → 0.20% ▲ 0.15 pts · high 0.20% / low 0.05% Oct 20, 20260.20%▲ from 0.05% Oct 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.17%
Min Balance $0 Details Platinum APY column, $0.00-$9,999.99; Relationship Package Qualifications apply Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 0.02% → 0.17% ▲ 0.15 pts · high 0.17% / low 0.02% Oct 20, 20260.17%▲ from 0.02% Oct 14, 20260.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.12%
Min Balance $500,000 Details Balance: > $500,000.00 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.10%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.08%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.05%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Money Market	-	0.02%
Min Balance $0 Details Balance: $0.00-$9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Checking Rates

Product	Rate	APY
Nexa Checking	-	3.40%
Min Balance $0 Details Qualifying balance up to $20,000.00; requirements must be met for this rate; Earn interest on the entire balance Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Preferred Plus Checking	-	0.15%
Min Balance $100,000 Details Balance: $100,000.00 and up; Earn interest on the entire balance Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Preferred Plus Checking	-	0.12%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Earn interest on the entire balance Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Preferred Plus Checking	-	0.08%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99; Earn interest on the entire balance Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Preferred Plus Checking	-	0.05%
Min Balance $0 Details Balance: $0.00-$4,999.99; Earn interest on the entire balance Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (Open-ended)	-	-	6.50%
Details As Low As; Loan to Value: Less than 75%; Variable rate, maximum APR 18% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Home Equity Loan (Fixed Rate)	-	-	6.50%
Details As Low As; Loan to Value: Less than 75%; Based on a 731 credit score; Loan applicants must be at least 18 years of age Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.99% → 6.50% ▼ 0.49 pts · high 6.99% / low 6.50% Oct 20, 20266.50%▼ from 6.99% Oct 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Home Equity Line of Credit (Open-ended)	-	-	6.75%
Details As Low As; Loan to Value: 75.01% to 85%; Variable rate, maximum APR 18% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Home Equity Loan (Fixed Rate)	-	-	6.99%
Details As Low As; Loan to Value: 75.01% to 85%; Based on a 731 credit score; Loan applicants must be at least 18 years of age Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Home Equity Line of Credit (Open-ended)	-	-	7.50%
Details As Low As; Loan to Value: 85.01% to 90%; Variable rate, maximum APR 18% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Home Equity Loan (Fixed Rate)	-	-	7.50%
Details As Low As; Loan to Value: 85.01% to 90%; Based on a 731 credit score; Loan applicants must be at least 18 years of age Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.99% → 7.50% ▲ 0.51 pts · high 7.50% / low 6.99% Oct 20, 20267.50%▲ from 6.99% Oct 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - NEW	-	-	6.375%	72 months
Details As Low As; Model Year: NEW; Based on 731 credit score and automatic loan payments from an AMBank deposit account; applicants must be at least 18 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Auto Loan - 2023-2025	-	-	6.50%	60 months
Details As Low As; Model Year: 2023-2025; Based on 731 credit score and automatic loan payments from an AMBank deposit account; applicants must be at least 18 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Auto Loan - 2020-2022	-	-	7.00%	48 months
Details As Low As; Model Year: 2020 - 2022; Based on 731 credit score and automatic loan payments from an AMBank deposit account; applicants must be at least 18 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Auto Loan - 2016-2019	-	-	8.375%	36 months
Details As Low As; Model Year: 2016 - 2019; Based on 731 credit score and automatic loan payments from an AMBank deposit account; applicants must be at least 18 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 8.38% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	11.50%	Max term 60 months
Details As Low As; Max term 60 months; applicants must be at least 18 years of age; APR based on 731 credit score Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 11.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

American Bank and Trust Company, N.A. Other Rates

Product	Rate	Points	APY/APR	Term
Owner Occupied Properties (Purchase - Single Family) Loan	6.875%	-	7.187%	15 years
Details Fixed rate; Rates based on a 780 credit score Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%
Owner Occupied Properties (Purchase - Single Family) Loan	7.125%	-	7.278%	30 years
Details Fixed rate; Rates based on a 780 credit score Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

American Bank and Trust Company, N.A.’s Texas Ratio fell from 7.79% in Q3 2023 to 7.06% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.0 to 5.0 and its Health Grade from C to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$481M	7.06%	5.0	A
March 31, 2026	$465M	4.51%	5.0	A+
December 31, 2025	$468M	0.40%	5.0	A+
September 30, 2025	$511M	5.49%	4.8	A
June 30, 2025	$484M	6.80%	5.0	A
March 31, 2025	$501M	3.62%	5.0	A+
December 31, 2024	$520M	2.23%	4.7	A
September 30, 2024	$520M	2.03%	4.7	A
June 30, 2024	$528M	5.18%	4.3	A-
March 31, 2024	$546M	5.49%	4.1	B+
December 31, 2023	$536M	4.19%	3.4	B-
September 30, 2023	$542M	7.79%	3.0	C

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for American Bank and Trust Company, N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather American Bank and Trust Company, N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with American Bank and Trust Company, N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name American Bank and Trust Company, N.A.

Website https://www.goambank.com

Address 4301 E 53rd St, Davenport, IA 52807 · Scott

Bank Holding Company AMBANK HOLDINGS INC

FDIC Certificate # 34955

Regulator OCC

Established January 5, 1999

FDIC Insurance Date January 5, 1999

Domestic Offices 8

Total Branches 8

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.06%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7831%

Return on Equity (ROE)

9.4700%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

$480,853,000

Total Deposits

$387,769,000

Equity Capital

$40,273,000

Net Income

$1,845,000

Headquarters

Davenport

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

American Bank and Trust Company, N.A. earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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</a>

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Customer Reviews

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Frequently Asked Questions About American Bank and Trust Company, N.A.

Does American Bank and Trust Company, N.A. offer CDs?

Yes. American Bank and Trust Company, N.A. current CD rates include its 24-Month CD - Diamond at 4.35% APY, its CD (CDs) 24-Month - Diamond at 4.35% APY and its 24-Month CD - Platinum at 4.30% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from American Bank and Trust Company, N.A. FDIC insured?

Yes. American Bank and Trust Company, N.A. is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at American Bank and Trust Company, N.A.?

The highest American Bank and Trust Company, N.A. CD rate is its 24-Month Certificate of Deposit - Diamond at 4.35% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does American Bank and Trust Company, N.A. offer?

American Bank and Trust Company, N.A. CD rates are 3.47% APY for a 12 month CD, 1.79% APY for an 18 month CD, 4.35% APY for a 2 year CD, 1.12% APY for a 3 year CD, 0.98% APY for a 4 year CD and 1.22% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with American Bank and Trust Company, N.A. for its full lineup.

What is the highest savings rate at American Bank and Trust Company, N.A.?

The highest American Bank and Trust Company, N.A. savings rate is its Health Savings Account (HSA) at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at American Bank and Trust Company, N.A.?

The highest American Bank and Trust Company, N.A. money market rate is its High Yield Money Market - Diamond at 3.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at American Bank and Trust Company, N.A.?

The highest American Bank and Trust Company, N.A. checking rate is its Nexa Checking at 3.40% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at American Bank and Trust Company, N.A.?

The lowest American Bank and Trust Company, N.A. auto loan rate is its Auto Loan - NEW at 6.375% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at American Bank and Trust Company, N.A.?

The lowest American Bank and Trust Company, N.A. personal loan rate is its Unsecured Personal Loan at 11.50% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does American Bank and Trust Company, N.A. operate?

American Bank and Trust Company, N.A. currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, American Bank and Trust Company, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, American Bank and Trust Company, N.A. provides members with tools to manage their accounts and build a solid financial history.

Does American Bank and Trust Company, N.A. offer online and mobile banking?

Most modern institutions like American Bank and Trust Company, N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.goambank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do American Bank and Trust Company, N.A. rates compare?

American Bank and Trust Company, N.A.'s top CD rate of 4.35% APY on a 2 year CD is 48% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. American Bank and Trust Company, N.A.'s top rates are its 24-Months 24-Month Certificate of Deposit - Diamond at 4.35% APY, its Health Savings Account (HSA) at 0.50% APY, its High Yield Money Market - Diamond at 3.30% APY, its Nexa Checking at 3.40% APY and its Unsecured Personal Loan at 11.50% APR, verified by MonitorBankRates on November 5, 2026.

Current American Bank and Trust Company, N.A. Rates

12-Month CD3.47%
18-Month CD1.79%
24-Month CD4.15%
36-Month CD1.12%
48-Month CD0.98%
60-Month CD1.22%
Savings0.50%
MMA3.30%

Retrieved from our database of financial products. Rates subject to change.

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American Bank and Trust Company, N.A. Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

American Bank and Trust Company, N.A. Texas Ratio

American Bank and Trust Company, N.A. Health Trend

American Bank and Trust Company, N.A. CD Rates

American Bank and Trust Company, N.A. Savings Rates

American Bank and Trust Company, N.A. Money Market Rates

American Bank and Trust Company, N.A. Checking Rates

American Bank and Trust Company, N.A. Home Equity & HELOC

American Bank and Trust Company, N.A. Auto Loan Rates

American Bank and Trust Company, N.A. Personal Loan Rates

American Bank and Trust Company, N.A. Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

American Bank and Trust Company, N.A. earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About American Bank and Trust Company, N.A.

Does American Bank and Trust Company, N.A. offer CDs?

Are CDs from American Bank and Trust Company, N.A. FDIC insured?

What is the highest CD rate at American Bank and Trust Company, N.A.?

What CD terms does American Bank and Trust Company, N.A. offer?

What is the highest savings rate at American Bank and Trust Company, N.A.?

What is the highest money market rate at American Bank and Trust Company, N.A.?

What is the highest checking rate at American Bank and Trust Company, N.A.?

What is the lowest auto loan rate at American Bank and Trust Company, N.A.?

What is the lowest personal loan rate at American Bank and Trust Company, N.A.?

How many branches does American Bank and Trust Company, N.A. operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does American Bank and Trust Company, N.A. offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do American Bank and Trust Company, N.A. rates compare?

Current American Bank and Trust Company, N.A. Rates

Compare to Other Banks