American Bank Rates and Review March 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 →
American Bank's 12-Month Personal IRA CD rates are at 3.80%, 182 Day Personal IRA CD rates are at 3.80%, 9-Month Personal IRA CD rates are at 3.80%, 90 Day Personal IRA CD rates are at 3.80%, 18-Month Personal IRA CD rates are at 3.50%. American Bank's savings rates are at 0.10%. American Bank's money market rates are at 2.00%. American Bank's 15-Year Fixed New Construction/Permanent Loan rates are at 5.62%, 15-Year Fixed Jumbo Loan rates are at 6.00%, Adjustable Rate Mortgage (15/1 ARM) rates are at 6.00%, PHFA Keystone Home Loan 30-Year Fixed - 3%-5% Down rates are at 5.62%, 30-Year Fixed New Construction/Permanent Loan rates are at 6.25%. MonitorBankRates evaluates the financial stability of American Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.56%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityAmerican 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. American Bank Texas RatioAmerican Bank's Texas Ratio is at 3.56%, which is considered excellent. The Texas Ratio for American Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
American Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, American Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 98/100
American Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
American Bank CD Rates
American Bank Savings Rates
American Bank Money Market Rates
American Bank Checking Rates
American Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewAmerican Bank
4029 W Tilghman StAllentown, PA 18104 Lehigh Established Date: 06/02/1997 FDIC Certificate #: 34422 Date of FDIC Deposit Insurance: 06/02/1997 Bank Holding Company: AMERICAN BANK INC How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.ambk.com
Is American Bank FDIC Insured? Yes
What is American Bank's Cert number? 34422
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (98/100)
Texas Ratio:
3.56%
Return on Assets (ROA):
1.0893%
Return on Equity (ROE):
11.4000%
Non-Performing Loans (NPL):
0.30%
Total Assets:
$1,077,045,000
Total Deposits:
$896,776,000
Equity Capital:
$110,013,000
Net Income:
$14,000,000
Headquarters:
Allentown
Regulator:
FED
# of Offices:
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About American BankHow do I open an account at American Bank?You can typically open an account at American Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, American Bank provides a range of mortgage and home equity products. Is American Bank a safe place to deposit money?Yes, American Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does American Bank offer online and mobile banking?Most modern institutions like American Bank provide digital access including online balance checks and transfers. Compare to other Banks |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
