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American Eagle Bank Rates & Review March 2026

American Eagle Bank's 60-Months CDs/IRAs 60-Month rates are at 3.65%, 48-Months CDs/IRAs 48-Month rates are at 3.60%, 6-Months CDs/IRAs 6-Month rates are at 3.60%, 24-Months CDs/IRAs 24-Month rates are at 3.55%, 36-Months CDs/IRAs 36-Month rates are at 3.55%. MonitorBankRates evaluates the financial stability of American Eagle Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.29%. Rates were last updated on 03/25/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.29%
Excellent Lower than avg
American Eagle Bank
556 Randall Rd
South Elgin, IL 60177
https://www.americaneaglebank.com
Member FDIC

American Eagle Bank CD Rates

Product Rate APY Term View More
CDs/IRAs 60 month - 3.65% 60 Months
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 48 month - 3.60% 48 Months
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 6 month - 3.60% 6 Months
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 24 month - 3.55% 24 Months
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 36 month - 3.55% 36 Months
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 12 month - 3.50% 12 Months
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 60 month - 3.45% 60 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 48 month - 3.40% 48 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 6 month - 3.40% 6 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 24 month - 3.35% 24 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 36 month - 3.35% 36 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%
CDs/IRAs 12 month - 3.30% 12 Months
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.29%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for American Eagle Bank 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 Eagle Bank 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 Eagle Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name American Eagle Bank
Bank Holding Company ORCHID FINANCIAL BCORP INC
Address 556 Randall Rd, South Elgin, IL 60177  ·  Kane
FDIC Certificate # 57359
Established 10/17/2002
FDIC Insurance Date 10/17/2002
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.29%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7281%
Return on Equity (ROE) 8.1600%
Non-Performing Loans (NPL) 0.02%
Total Assets $496,927,000
Total Deposits $375,613,000
Equity Capital $43,109,000
Net Income $2,147,000
Headquarters South Elgin
Total Offices 2
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

JBYN
★★★★★
December 17, 2025
hZbp
Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About American Eagle Bank

Is American Eagle Bank a safe place to deposit money?

Yes, American Eagle Bank is considered a safe financial institution. With a Texas Ratio of 0.29221191716427%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does American Eagle Bank operate?

American Eagle Bank currently maintains approximately 2 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 Eagle Bank 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 Eagle Bank provides members with tools to manage their accounts and build a solid financial history.

Does American Eagle Bank offer online and mobile banking?

Most modern institutions like American Eagle Bank 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.americaneaglebank.com.

Current American Eagle Bank Rates

  • 12-Month CD3.30%
  • 24-Month CD3.35%
  • 36-Month CD3.35%
  • 48-Month CD3.40%
  • 60-Month CD3.45%
Retrieved from our database of financial products. Rates subject to change.