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iAdvertiser Disclosure
Advertiser Disclosure
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 American Savings Bank, FSB Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 7, 2026
American Savings Bank, FSB's CD (CD) - 12-Month Term rates are at 2.90%, CD (CD) - 6-Month Term rates are at 2.90%, CD (CD) - 3-Month Term rates are at 2.75%, 6-Month Term CD - Biz Deluxe Checking Customer rates are at 3.15%, CD (CD) - Biz Deluxe Checking Customers - 12-Month Term rates are at 3.15%. American Savings Bank, FSB's 15 Year Fixed rates are at 5.875%, 10 Year ARM rates are at 6.125%, 30 Year Fixed rates are at 6.625%. American Savings Bank, FSB's top CD rate of 3.15% APY on a 6 month CD is 12% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of American Savings Bank, FSB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.72%. Rates last updated and verified on 11/07/2026. American Savings Bank, FSB 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 Savings Bank, FSB? Share your experience about American Savings Bank, FSB by leaving a review below, or read customer reviews before you decide to use American Savings Bank, FSB. 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 Savings Bank, FSB CD Rates
American Savings Bank, FSB Mortgage Rates
American Savings Bank, FSB Other Rates
Financial Health HistoryAmerican Savings Bank, FSB’s Texas Ratio stayed near 2.15% in Q3 2023 to 1.72% 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 2.8 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for American Savings Bank, FSB 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 Savings Bank, FSB 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 Savings Bank, FSB's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
American Savings Bank, FSB
Website
https://www.asbhawaii.com
Address
300 N Beretania St,
Honolulu, HI 96817 · Honolulu
FDIC Certificate #
32526
Regulator
OCC
Established
January 23, 1987
FDIC Insurance Date
August 9, 1989
Domestic Offices
35
Total Branches
35
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.72%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2351%
Return on Equity (ROE)
16.3600%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
$9,049,160,000
Total Deposits
$8,235,227,000
Equity Capital
$692,496,000
Net Income
$55,728,000
Headquarters
Honolulu
Total Branches and Offices
35
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for American Savings Bank, FSB
Frequently Asked Questions About American Savings Bank, FSBDoes American Savings Bank, FSB offer CDs?Yes. American Savings Bank, FSB current CD rates include its 6-Month Term CD - Biz Deluxe Checking Customer at 3.15% APY, its CD (CD) - Biz Deluxe Checking Customers - 12-Month Term at 3.15% APY and its CD (CD) - 12-Month Term at 2.90% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from American Savings Bank, FSB FDIC insured?Yes. American Savings Bank, FSB 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 Savings Bank, FSB?The highest American Savings Bank, FSB CD rate is its 6-Month Term CD - Biz Deluxe Checking Customer at 3.15% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does American Savings Bank, FSB offer?American Savings Bank, FSB CD rates are 2.75% APY for a 3 month CD, 3.15% APY for a 6 month CD and 3.15% APY for a 12 month CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with American Savings Bank, FSB for its full lineup. What is the lowest 30 year fixed mortgage rate at American Savings Bank, FSB?The lowest American Savings Bank, FSB 30 year fixed mortgage rate is its 30 Year Fixed at 6.625%, verified by MonitorBankRates as of November 7, 2026. American Savings Bank, FSB mortgage rates are 6.625% for a 30 year mortgage, 5.875% for a 15 year mortgage and 6.125% for a 10 year mortgage. How many branches does American Savings Bank, FSB operate?American Savings Bank, FSB currently maintains approximately 35 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 Savings Bank, FSB 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 Savings Bank, FSB provides members with tools to manage their accounts and build a solid financial history. Does American Savings Bank, FSB offer online and mobile banking?Most modern institutions like American Savings Bank, FSB 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.asbhawaii.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 Savings Bank, FSB rates compare?American Savings Bank, FSB's top CD rate of 3.15% APY on a 6 month CD is 12% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. American Savings Bank, FSB's top rates are its 6-Month Term CD - Biz Deluxe Checking Customer at 3.15% APY and its 15 Year Fixed at 5.875%, verified by MonitorBankRates on November 7, 2026. Current American Savings Bank, FSB Rates
Retrieved from our database of financial products. Rates subject to change.
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