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American Commerce Bank, N.A.

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American Commerce Bank, N.A. Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, American Commerce Bank, N.A. 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: August 30, 2026

American Commerce Bank, N.A. rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not American Commerce Bank, N.A., and you can see how they compare in the American Commerce Bank, N.A. rate tables below. MonitorBankRates evaluates the financial stability of American Commerce Bank, N.A. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.05%. Database rates last updated and verified on 08/30/2026.

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

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.05%

Excellent Higher than avg

American Commerce Bank, National Association

400 Us Highway 27 Byp
Bremen, GA 30110

https://www.americancommercebank.com

Current Rate Availability

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Methodology & Data Sources

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

Bank Profile & Overview

Institution Name American Commerce Bank, N.A.

Bank Holding Company AMERICAN COM BANCSHARES INC

Address 400 Us Highway 27 Byp, Bremen, GA 30110 · Haralson

Website https://www.americancommercebank.com

FDIC Certificate # 57686

Established 10/04/2004

FDIC Insurance Date 10/04/2004

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3161%

Return on Equity (ROE) 10.8600%

Non-Performing Loans (NPL) 0.80%

Total Assets $485,001,000

Total Deposits $385,122,000

Equity Capital $80,297,000

Net Income $8,435,000

Headquarters Bremen

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

American Commerce Bank, N.A. earned the Verified Healthy badge

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Frequently Asked Questions About American Commerce Bank, N.A.

How many branches does American Commerce Bank, N.A. operate?

American Commerce Bank, N.A. currently maintains approximately 4 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 Commerce Bank, N.A. 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 Commerce Bank, N.A. provides members with tools to manage their accounts and build a solid financial history.

Does American Commerce Bank, N.A. offer online and mobile banking?

Most modern institutions like American Commerce Bank, N.A. 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.americancommercebank.com.