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

Current rates for American State Bank & Trust Company include: 12-Month CD: 1.90%, 18-Month CD: 1.80%, 24-Month CD: 1.85%, 36-Month CD: 2.10%, 48-Month CD: 2.20%, 60-Month CD: 2.40%, Savings: 0.25%, MMA: 0.30%

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American State Bank & Trust Company

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American State Bank & Trust Company Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, American State Bank & Trust Company 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 14, 2026

American State Bank & Trust Company's 11-Months 11-Month Certificate rates are at 3.56%, 7-Months 7-Month Certificate rates are at 3.37%, 23-Months 23-Month Certificate rates are at 3.25%, 4-Months 4-Month Certificate rates are at 3.23%, 60-Months 60-Month Certificate of Deposit rates are at 2.40%. American State Bank & Trust Company's savings rates are at 0.25%. American State Bank & Trust Company's money market rates are at 0.30%. MonitorBankRates evaluates the financial stability of American State Bank & Trust Company with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.34%. Rates last updated and verified on 09/14/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.34%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

American State Bank & Trust Company of Williston

223 Main St
Williston, ND 58801

https://www.asbt.com

American State Bank & Trust Company CD Rates

Product	Rate	APY	Term
11 Month Certificate	3.55%	3.56%	11 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
7 Month Certificate	3.35%	3.37%	7 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
23 Month Certificate	3.25%	3.25%	23 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
4 Month Certificate	3.20%	3.23%	4 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
60 Month Certificate of Deposit	2.40%	2.40%	60 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
48 Month Certificate of Deposit	2.20%	2.20%	48 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
36 Month Certificate of Deposit	2.10%	2.10%	36 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
30 Month Certificate of Deposit	2.05%	2.05%	30 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
12 Month Certificate of Deposit	1.90%	1.90%	12 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
24 Month Certificate of Deposit	1.85%	1.85%	24 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
18 Month Certificate of Deposit	1.80%	1.80%	18 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
3 Month Certificate of Deposit	1.64%	1.65%	3 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
6 Month Certificate of Deposit	1.64%	1.65%	6 Months
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

American State Bank & Trust Company Savings Rates

Product	Rate	APY
Business Savings	1.65%	1.66%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Personal Savings	1.65%	1.66%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Savings	1.25%	1.26%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Personal Savings	1.25%	1.26%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Youth Savings	1.25%	1.26%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Savings	0.75%	0.75%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Personal Savings	0.75%	0.75%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Youth Savings	0.75%	0.75%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts - Tier 4	0.60%	0.60%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts - Tier 3	0.50%	0.50%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts - Tier 2	0.40%	0.40%
Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Savings	0.30%	0.30%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Personal Savings	0.30%	0.30%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Youth Savings	0.30%	0.30%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts - Tier 1	0.25%	0.25%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

American State Bank & Trust Company Money Market Rates

Product	Rate	APY
Business Money Market	1.70%	1.71%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Money Market	1.70%	1.71%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Money Market	1.20%	1.21%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Money Market	1.20%	1.21%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Money Market	0.60%	0.60%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Money Market	0.60%	0.60%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Money Market	0.30%	0.30%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Money Market	0.30%	0.30%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

American State Bank & Trust Company Checking Rates

Product	Rate	APY
Business Presidential Checking	1.00%	1.01%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Government Checking	0.90%	0.90%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking	0.90%	0.90%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Presidential Checking	0.75%	0.75%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Advantage Checking	0.65%	0.65%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Interest Checking	0.65%	0.65%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Government Checking	0.60%	0.60%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking	0.60%	0.60%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Presidential Checking	0.55%	0.55%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Advantage Checking	0.45%	0.45%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Interest Checking	0.45%	0.45%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Advantage Checking	0.30%	0.30%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Government Checking	0.30%	0.30%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Interest Checking	0.30%	0.30%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking	0.30%	0.30%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Presidential Checking	0.30%	0.30%
Min Balance $1,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Advantage Checking	0.20%	0.20%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Government Checking	0.20%	0.20%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Interest Checking	0.20%	0.20%
Min Balance $250 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Business Non-Profit/Organization Checking	0.20%	0.20%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

American State Bank & Trust Company Other Rates

Product	Rate	Points	APY/APR	Term
IRA Accounts	2.90%	-	2.90%	12 Months
Min Balance $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
IRA Accounts	2.80%	-	2.80%	24 Months
Min Balance $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
IRA Accounts	2.80%	-	2.80%	36 Months
Min Balance $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
IRA Accounts	2.80%	-	2.80%	48 Months
Min Balance $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
IRA Accounts	2.80%	-	2.80%	60 Months
Min Balance $50 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Presidential Account	0.30%	-	0.30%
Min Balance $1,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Presidential Account	0.55%	-	0.55%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Presidential Account	0.75%	-	0.75%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Presidential Account	1.00%	-	1.01%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

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 State Bank & Trust Company’s Texas Ratio fell from 19.04% in Q3 2023 to 11.34% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.4 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	$643M	11.34%	5.0	A
March 31, 2026	$661M	8.94%	5.0	A
December 31, 2025	$648M	7.62%	5.0	A
September 30, 2025	$632M	10.35%	5.0	A
June 30, 2025	$637M	18.47%	4.7	B+
March 31, 2025	$646M	12.68%	5.0	A
December 31, 2024	$629M	13.63%	5.0	A
September 30, 2024	$616M	10.91%	5.0	A
June 30, 2024	$601M	11.32%	5.0	A
March 31, 2024	$624M	11.05%	5.0	A
December 31, 2023	$618M	10.94%	5.0	A
September 30, 2023	$607M	19.04%	3.4	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 State Bank & Trust Company 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 State Bank & Trust Company 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 State Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name American State Bank & Trust Company

Bank Holding Company AMERICAN STB HOLDING CO INC

Address 223 Main St, Williston, ND 58801 · Williams

Website https://www.asbt.com

FDIC Certificate # 15444

Established 19361201

FDIC Insurance Date 19361218

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.34%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.6251%

Return on Equity (ROE) 29.2600%

Non-Performing Loans (NPL) 0.97%

Total Assets $643,470,000

Total Deposits $569,129,000

Equity Capital $54,819,000

Net Income $8,538,000

Headquarters Williston

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

American State Bank & Trust Company 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About American State Bank & Trust Company

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

American State Bank & Trust Company 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 State Bank & Trust Company 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 State Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

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

Most modern institutions like American State Bank & Trust Company 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.asbt.com.