What are the current interest rates at American Bank & Trust Company LA?

Current rates for American Bank & Trust Company LA include: 12-Month CD: 1.90%, 24-Month CD: 2.02%, 36-Month CD: 2.07%, Savings: 0.10%, MMA: 0.45%

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American Bank & Trust Company LA

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American Bank & Trust Company LA Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

American Bank & Trust Company LA's 36-Month CD (monthly check or transfer to account) rates are at 2.07%, 36-Month IRA (quarterly add-on) rates are at 2.07%, 24-Month CD (monthly check or transfer to account) rates are at 2.02%, 24-Month IRA (quarterly add-on) rates are at 2.02%, 12-Month CD (quarterly add-on) rates are at 1.91%. American Bank & Trust Company LA's savings rates are at 0.10%. American Bank & Trust Company LA's money market rates are at 0.45%. MonitorBankRates evaluates the financial stability of American Bank & Trust Company LA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 09/19/2026.

American Bank & Trust Company LA 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 & Trust Company LA? Share your experience about American Bank & Trust Company LA by leaving a review below, or read customer reviews before you decide to use American Bank & Trust Company LA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

American Bank & Trust Company

307 E Landry St
Opelousas, LA 70570

https://www.americanbankandtrust.net

American Bank & Trust Company LA CD Rates

Product	Rate	APY	Term
36 Month CD (monthly check or transfer to account)	2.05%	2.07%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA (quarterly add-on)	2.05%	2.07%	36 Month
Min Deposit $250 Min Balance $250 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month CD (monthly check or transfer to account)	2.00%	2.02%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA (quarterly add-on)	2.00%	2.02%	24 Month
Min Deposit $250 Min Balance $250 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month CD (quarterly add-on)	1.90%	1.91%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA (quarterly add-on)	1.90%	1.91%	12 Month
Min Deposit $250 Min Balance $250 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month CD (monthly check or transfer to account)	1.90%	1.90%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month CD	1.55%	1.56%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month IRA	1.55%	1.56%	6 Month
Min Deposit $250 Min Balance $250 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
90 Day CD	0.65%	0.65%	90 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
30 Day CD	0.25%	0.25%	30 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

American Bank & Trust Company LA Savings Rates

Product	Rate	APY
Savings	0.20%	0.20%
Min Deposit $100 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Christmas Club	0.15%	0.15%
Min Deposit $5 Min Balance $5 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Ameri-Club Interest	0.10%	0.10%
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

American Bank & Trust Company LA Money Market Rates

Product	Rate	APY	View More
Money Market	0.45%	0.45%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

American Bank & Trust Company LA Other Rates

Product	Rate	Points	APY/APR	Term	View More
NOW	0.10%	-	0.10%
Min Deposit $1,000 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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.
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Financial Health History

American Bank & Trust Company LA’s Texas Ratio fell from 4.09% in Q3 2023 to 3.38% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$267M	3.38%	5.0	A+
March 31, 2026	$258M	1.72%	5.0	A+
December 31, 2025	$272M	1.85%	5.0	A+
September 30, 2025	$254M	0.50%	5.0	A+
June 30, 2025	$249M	0.37%	5.0	A+
March 31, 2025	$255M	0.46%	5.0	A+
December 31, 2024	$250M	0.36%	5.0	A+
September 30, 2024	$244M	0.72%	5.0	A+
June 30, 2024	$238M	1.37%	5.0	A+
March 31, 2024	$236M	2.38%	5.0	A+
December 31, 2023	$257M	2.19%	5.0	A+
September 30, 2023	$230M	4.09%	5.0	A+

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 & Trust Company LA 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 & Trust Company LA 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 & Trust Company LA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name American Bank & Trust Company LA

Bank Holding Company AMERICAN BCORP INC

Address 307 E Landry St, Opelousas, LA 70570 · St. Landry

Website https://www.americanbankandtrust.net

FDIC Certificate # 17906

Established 19580922

FDIC Insurance Date 19580922

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8331%

Return on Equity (ROE) 18.6200%

Non-Performing Loans (NPL) 0.34%

Total Assets $267,045,000

Total Deposits $221,711,000

Equity Capital $26,768,000

Net Income $2,435,000

Headquarters Opelousas

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

American Bank & Trust Company LA 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About American Bank & Trust Company LA

How many branches does American Bank & Trust Company LA operate?

American Bank & Trust Company LA currently maintains approximately 9 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 & Trust Company LA 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 & Trust Company LA provides members with tools to manage their accounts and build a solid financial history.

Does American Bank & Trust Company LA offer online and mobile banking?

Most modern institutions like American Bank & Trust Company LA 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.americanbankandtrust.net.