What are the current interest rates at American Bank?

Current rates for American Bank include: 12-Month CD: 4.10%, 18-Month CD: 4.10%, 24-Month CD: 4.10%, 36-Month CD: 3.80%, 48-Month CD: 3.80%, 60-Month CD: 3.80%, Savings: 1.50%, MMA: 2.75%

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American Bank Rates & Review October 2026

Q: What CD terms does American Bank offer?

The American Bank CD terms MonitorBankRates tracks include 6 month, 12 month, 18 month, 2 year, 3 year, 4 year and 5 year terms. The institution may offer other terms or specials that are not listed here, so check with American Bank for its full lineup.

Q: How many branches does American Bank operate?

American Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 27, 2026

American Bank's 1 Year CD rates are at 4.10%, 6-Month CD rates are at 4.10%, Certificate of Deposit - 12-Month rates are at 4.10%, Certificate of Deposit - 18-Month rates are at 4.10%, Certificate of Deposit - 182 Day rates are at 4.10%. American Bank's savings rates are at 1.50%. American Bank's money market rates are at 2.75%. American Bank's checking rates are as high as 2.00%. American Bank's 15-Year Fixed Conventional Mortgage rates are at 6.75%, Adjustable Rate Mortgage (15/1 ARM) rates are at 6.95%, New Construction/Permanent 15-Year Fixed Loan rates are at 7.00%, PHFA Keystone Home Loan 30-Year Fixed - 3%-5% Down rates are at 6.625%, 15-Year Fixed Jumbo Loan rates are at 7.375%. MonitorBankRates evaluates the financial stability of American Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.26%. Rates last updated and verified on 10/27/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.26%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

American Bank

4029 W Tilghman St
Allentown, PA 18104

https://www.ambk.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 CD Rates

Product	Rate	APY	Term
1 Year CD	-	4.10%	1 Year
Min Deposit $500 Details APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 14, 20264.10%▲ from 3.80% Sep 19, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
6 Month CD	-	4.10%	6 Month
Min Deposit $500 Details APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 14, 20264.10%▲ from 3.80% Sep 19, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 12 Month	4.02%	4.10%	12 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 18 Month	4.02%	4.10%	18 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 182 Day	4.02%	4.10%	182 Day
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 24 Month	4.02%	4.10%	24 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 9 Month	4.02%	4.10%	9 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 90 Day	4.02%	4.10%	90 Day
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
3 Year CD	-	3.80%	3 Year
Min Deposit $500 Details APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 14, 20263.80%▲ from 3.50% Sep 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
5 Year CD	-	3.80%	5 Year
Min Deposit $500 Details APYs accurate as of October 13, 2026; APYs available for American Bank personal and business accounts; $500 minimum deposit to open a CD account Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 14, 20263.80%▲ from 3.50% Sep 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 120 Day Instant Access	3.73%	3.80%	120 Day
Min Deposit $500 Details Instant Access; Interest compounded daily; Instant Access CDs are not available for IRAs; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 36 Month	3.73%	3.80%	36 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 48 Month	3.73%	3.80%	48 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 60 Month	3.73%	3.80%	60 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Certificate of Deposit - 30 Month	3.44%	3.50%	30 Month
Min Deposit $500 Details Interest compounded daily; Penalties may apply for early withdrawal Last Updated 10/27/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%

American Bank Savings Rates

Product	Rate	APY
Statement Savings	1.49%	1.50%
Details Balance: All Balances Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Health Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Health Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Health Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Health Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000.00 - $14,999.99 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Health Savings Account	0.10%	0.10%
Min Deposit $1 Min Balance $15,000 Details Balance: $15,000.00 and above Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%

American Bank Money Market Rates

Product	Rate	APY
e-Money Market	2.71%	2.75%
Min Deposit $1 Min Balance $2,500,000 Details Balance: $2,500,000.00 and above Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 14, 20262.75%▲ from 2.50% Sep 19, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Premium Money Market	2.71%	2.75%
Min Deposit $1 Min Balance $2,500,000 Details Balance: $2,500,000.00 and above; Tiered-rate account; Interest compounded daily Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 14, 20262.75%▲ from 2.50% Sep 19, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
e-Money Market	2.47%	2.50%
Min Deposit $1 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,499,999.99 Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 14, 20262.50%▲ from 2.25% Sep 19, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Premium Money Market	2.47%	2.50%
Min Deposit $1 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,499,999.99; Tiered-rate account; Interest compounded daily Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25% Oct 14, 20262.50%▲ from 2.25% Sep 19, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
e-Money Market	2.23%	2.25%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 14, 20262.25%▲ from 2.00% Sep 19, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
e-Money Market	2.23%	2.25%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 26, 20262.25%▲ from 2.00% Sep 19, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
e-Money Market	2.23%	2.25%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 - $999,999.99 Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 26, 20262.25%▲ from 2.00% Sep 19, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Premium Money Market	2.23%	2.25%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $24,999.99; Tiered-rate account; Interest compounded daily Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 14, 20262.25%▲ from 2.00% Sep 19, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Premium Money Market	2.23%	2.25%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Tiered-rate account; Interest compounded daily Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 14, 20262.25%▲ from 2.00% Sep 19, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Premium Money Market	2.23%	2.25%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 - $999,999.99; Tiered-rate account; Interest compounded daily Last Updated 10/27/2026 Rate History 1 change since Sep 19, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 14, 20262.25%▲ from 2.00% Sep 19, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%

American Bank Checking Rates

Product	Rate	APY
American Gold Checking	1.98%	2.00%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 and above; Individuals must be at least age 50 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American Gold Checking	1.49%	1.50%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Individuals must be at least age 50 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American Gold Checking	1.24%	1.25%
Min Deposit $1 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Individuals must be at least age 50 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American Gold Checking	1.24%	1.25%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Individuals must be at least age 50 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American Gold Checking	1.24%	1.25%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Individuals must be at least age 50 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American e-Checking	1.00%	1.01%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $999.99; APY printed as range: 1.01% - 1.01% Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American e-Checking	1.00%	1.01%
Min Deposit $1 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; APY printed as range: 1.01% - 1.01% Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American e-Checking	1.00%	1.01%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; APY printed as range: 1.01% - 1.01% Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American e-Checking	1.00%	1.01%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY printed as range: 1.01% - 1.01% Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American e-Checking	1.00%	1.01%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; APY printed as range: 1.01% - 1.01% Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American e-Checking	1.00%	1.01%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 and above; APY printed as range: 1.01% - 1.01% Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
American Gold Checking	1.00%	1.01%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $999.99; Individuals must be at least age 50 Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 1.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%

American Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Conventional Mortgage	6.75%	0.000	7.046%
Details Available within Pennsylvania; APR based on $125,000 loan with 20% down; interest rate lock 45 days Last Updated 10/27/2026 Rate History 2 changes since Sep 19, 2026 · 6.80% → 7.05% ▲ 0.25 pts · high 7.05% / low 6.80% Oct 26, 20267.05%▲ from 7.05% Sep 27, 20267.05%▲ from 6.80% Sep 19, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
Adjustable Rate Mortgage (15/1 ARM)	6.95%	0.000	7.185%
Details APRs based on a $125,000 loan with 20% down for a single-family principal residence; available for residential loans within Pennsylvania; APR reflects a 60-day rate lock and approximate prepaid finance charges; Index: 1-Year Treasury; Caps: 2/2/5; Margin 2.750%; Floor 2.750%; no conversion option Last Updated 10/27/2026 Rate History 5 changes since Sep 15, 2026 · 6.95% → 7.19% ▲ 0.23 pts · high 7.19% / low 6.95% Oct 7, 20267.19%▲ from 7.01% Oct 2, 20267.01%▼ from 7.10% Oct 1, 20267.10%▲ from 6.99% Sep 27, 20266.99%▲ from 6.97% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
New Construction/Permanent 15-Year Fixed Loan	7.00%	0.000	7.23%	15 years
Details Pennsylvania residential loans; APR based on $125,000 loan with 20% down payment for purchase or limited cash-out refinance of a single-family principal residence; 10% minimum down payment required for all construction loans; interest rate lock 60 days; APR current as of October 26, 2026; payment excludes taxes and insurance Last Updated 10/27/2026 Rate History No change since Oct 20, 2026 · 7.23% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
PHFA Keystone Home Loan 30-Year Fixed - 3%-5% Down	6.625%	0.000	7.418%	30 years
Details APRs current as of October 26, 2026; based on 5% down payment; program minimum credit score 660; Maximum loan size is dependent upon maximum purchase price and county being served Last Updated 10/27/2026 Rate History 3 changes since Sep 15, 2026 · 6.79% → 7.42% ▲ 0.63 pts · high 7.42% / low 6.79% Oct 1, 20267.42%▲ from 7.17% Sep 27, 20267.17%▲ from 7.04% Sep 24, 20267.04%▲ from 6.79% Sep 15, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
15-Year Fixed Jumbo Loan	7.375%	0.000	7.489%	15 years
Details Jumbo Mortgage ($832,751 - $2,000,000); APRs based on $832,751 loan with 20% down; rate lock 45 days; Pennsylvania residential loans Last Updated 10/27/2026 Rate History 3 changes since Sep 15, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 7.49% / low 7.11% Oct 26, 20267.49%▲ from 7.49% Sep 27, 20267.49%▲ from 7.24% Sep 24, 20267.24%▲ from 7.11% Sep 15, 20267.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
30-Year Fixed Conventional Mortgage	7.375%	0.000	7.549%	30 years
Details Pennsylvania properties only; APR based on $125,000 loan with 20% down for single-family primary residence; interest rate lock 45 days Last Updated 10/27/2026 Rate History No change since Oct 7, 2026 · 7.55% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
30-Year Fixed Jumbo Loan	8.00%	0.000	8.077%	30 years
Details Loan amount $832,751 to $2,000,000; APR based on 20% down payment; 45-day rate lock Last Updated 10/27/2026 Rate History 3 changes since Sep 15, 2026 · 7.83% → 8.08% ▲ 0.25 pts · high 8.20% / low 7.83% Oct 14, 20268.08%▼ from 8.20% Sep 27, 20268.20%▲ from 7.95% Sep 19, 20267.95%▲ from 7.83% Sep 15, 20267.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%

American Bank Other Rates

Product	Rate	Points	APY/APR
30-Year Fixed New Construction/Permanent Loan	7.625%	0.000	7.625%
Details Available for residential loans within Pennsylvania; APR based on $125,000 loan with 20% down; 10% minimum down payment required for all construction loans; interest rate lock for 60 days Last Updated 10/27/2026 Rate History 2 changes since Sep 15, 2026 · 7.52% → 7.63% ▲ 0.11 pts · high 7.64% / low 7.52% Oct 14, 20267.63%▼ from 7.64% Sep 19, 20267.64%▲ from 7.52% Sep 15, 20267.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
IRA Statement Savings	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 - $999.99; Tiered-rate account; Includes Traditional IRAs, Roth IRAs and Coverdell Education Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
IRA Statement Savings	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999,99; Tiered-rate account; Includes Traditional IRAs, Roth IRAs and Coverdell Education Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
IRA Statement Savings	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Tiered-rate account; Includes Traditional IRAs, Roth IRAs and Coverdell Education Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
IRA Statement Savings	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Tiered-rate account; Includes Traditional IRAs, Roth IRAs and Coverdell Education Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
IRA Statement Savings	0.10%	-	0.10%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Tiered-rate account; Includes Traditional IRAs, Roth IRAs and Coverdell Education Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%
IRA Statement Savings	0.10%	-	0.10%
Min Balance $100,000 Details Balance: $100,000.00 and above; Tiered-rate account; Includes Traditional IRAs, Roth IRAs and Coverdell Education Last Updated 10/27/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.26%

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’s Texas Ratio fell from 3.56% in Q3 2023 to 0.26% in Q2 2026, so its financial health has improved and is now 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	$1.1B	0.26%	5.0	A+
March 31, 2026	$1.1B	0.55%	5.0	A+
December 31, 2025	$1.1B	0.92%	5.0	A+
September 30, 2025	$1.0B	2.79%	5.0	A+
June 30, 2025	$1.0B	3.22%	5.0	A+
March 31, 2025	$1.0B	3.36%	5.0	A+
December 31, 2024	$986M	3.38%	5.0	A+
September 30, 2024	$946M	3.02%	5.0	A+
June 30, 2024	$921M	3.05%	5.0	A+
March 31, 2024	$899M	3.09%	5.0	A+
December 31, 2023	$919M	3.14%	5.0	A+
September 30, 2023	$884M	3.56%	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 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 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's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name American Bank

Website https://www.ambk.com

Address 4029 W Tilghman St, Allentown, PA 18104 · Lehigh

Bank Holding Company AMERICAN BANK INC

FDIC Certificate # 34422

Regulator FED

Established June 2, 1997

FDIC Insurance Date June 2, 1997

Domestic Offices 1

Total Branches 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.26%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2832%

Return on Equity (ROE)

12.5200%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$1,111,851,000

Total Deposits

$914,842,000

Equity Capital

$114,867,000

Net Income

$7,001,000

Headquarters

Allentown

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

American Bank earned the Verified Healthy badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About American Bank

Does American Bank offer CDs?

Yes. American Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 27, 2026 include 4.10% APY on its 1 Year CD, 4.10% APY on its 6-Month CD and 4.10% APY on its Certificate of Deposit - 12-Month.

Are CDs from American Bank FDIC insured?

Yes. American Bank 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?

The highest CD rate MonitorBankRates has verified for American Bank is 4.10% APY on its 1 Year CD, as of October 27, 2026.

What CD terms does American Bank offer?

The American Bank CD terms MonitorBankRates tracks include 6 month, 12 month, 18 month, 2 year, 3 year, 4 year and 5 year terms. The institution may offer other terms or specials that are not listed here, so check with American Bank for its full lineup.

What is the highest savings rate at American Bank?

The highest savings rate MonitorBankRates has verified for American Bank is 1.50% APY on its Statement Savings, as of October 27, 2026.

What is the highest money market rate at American Bank?

The highest money market rate MonitorBankRates has verified for American Bank is 2.75% APY on its e-Money Market, as of October 27, 2026.

What is the highest checking rate at American Bank?

The highest checking rate MonitorBankRates has verified for American Bank is 2.00% APY on its American Gold Checking, as of October 27, 2026.

What is the lowest 30 year fixed mortgage rate at American Bank?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for American Bank is 6.625% rate on its PHFA Keystone Home Loan 30-Year Fixed - 3%-5% Down, as of October 27, 2026.

How many branches does American Bank operate?

American Bank currently maintains approximately 1 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does American Bank offer online and mobile banking?

Most modern institutions like American 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.ambk.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 rates compare?

American Bank's top rates are 4.10% APY on its 1 Year CD, 1.50% APY on its Statement Savings, 2.75% APY on its e-Money Market, 2.00% APY on its American Gold Checking and 6.625% on its PHFA Keystone Home Loan 30-Year Fixed - 3%-5% Down, verified by MonitorBankRates on October 27, 2026.

Current American Bank Rates

12-Month CD4.10%
18-Month CD4.10%
24-Month CD4.10%
36-Month CD3.80%
48-Month CD3.80%
60-Month CD3.80%
Savings1.50%
MMA2.75%

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

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American Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

American Bank Texas Ratio

American Bank Health Trend

American Bank CD Rates

American Bank Savings Rates

American Bank Money Market Rates

American Bank Checking Rates

American Bank Mortgage Rates

American Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

American Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About American Bank

Does American Bank offer CDs?

Are CDs from American Bank FDIC insured?

What is the highest CD rate at American Bank?

What CD terms does American Bank offer?

What is the highest savings rate at American Bank?

What is the highest money market rate at American Bank?

What is the highest checking rate at American Bank?

What is the lowest 30 year fixed mortgage rate at American Bank?

How many branches does American Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does American Bank 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 rates compare?

Current American Bank Rates

Compare to Other Banks