Rates

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Loan Rates

Auto & Other Secured Loans | Personal Secured Loans | Home Equity Loans

Auto & Other Secured Loans
Effective Date: Monday, November 30th, 2020
TypeAPR as low as*Max Term for Rate
New & Used Auto 1.59%* 72 months
Motorcycle 5.49%* 60 months
Tractor 3.49%* 72 months
Boat 3.99%* 84 months
Mobility 4.49%* 72 months
RV/Camper 4.49%* 60 months
Other** 5.49%* 60 months

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details.
**Other Loans may include ATVs/UTVs/jet skis/snowmobiles and other similar vehicles and toys. Please Contact Us with any questions.

Personal Unsecured Loans
Effective Date: Monday, November 30th, 2020
TypeAPR as low as*Max Term for Rate
Personal Loan 9.00%* 60 months

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details.

Home Equity Loans / Lines of Credit
Effective Date: Monday, November 30th, 2020
TypeAPR as low as*
10 Year Home Equity Loan 7.50%*
15 Year Home Equity Loan 7.75%*
20 Year Home Equity Loan 8.00%*
Home Equity Line of Credit Prime** - 0.50%*
5.00% APR floor on Home Equity line of credit rates.

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details.
** Variable rates may change based on Prime rate. Prime rate, as published in the Wall Street Journal on the last day of each calendar month.


Credit Card Rates

Credit Cards
Effective Date: Monday, November 30th, 2020
TypeAPR as low as*
Non-Variable Rate 10.00%*
Variable Rate** 6.74%*+Index**

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details.
** Variable rates may change based on Index rate. Index rate (or Prime rate), as published in the Wall Street Journal on the last day of each calendar month.


Savings Rates

Savings Accounts | Share Certificates (CDs) | IRAs/Roth IRAs/Coverdell ESAs

Savings Accounts
Effective Date: Monday, November 30th, 2020
NameDividend RateAPY*Min. Opening DepositMinimum Balance
Primary Share Savings Account 0.10% 0.10% $5 $5
True Savings Account 0.10% 0.10% $0 $0
Members Choice Account 0.10% 0.10% $0 $0
Eagle Earners Account 0.25% 0.25% $0 $0
Vacation Club 0.10% 0.10% $0 $0
Christmas Club 0.10% 0.10% $0 $0
Premier Checking Account 0.10% 0.10% $2,000 $2,000
Money Market Account 0.25% 0.25% $5,000 $5,000

*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually. Ask for details. Fees may reduce earnings on the account.

Share Certificates (CDs)
Effective Date: Monday, November 30th, 2020
TermDividend RateAPY*Min. Dep.**
180 day 0.10% 0.10% $500.00
1 Year 0.15% 0.15% $500.00
2 Year 0.25% 0.25% $500.00
3 Year 0.35% 0.35% $500.00
4 Year 0.50% 0.50% $500.00
5 Year 0.75% 0.75% $500.00

*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually.  Ask for details. Fees may reduce earnings on the account.
**Requires a minimum deposit of $500. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice. 

IRAs/ Roth IRAs/ Coverdell ESAs
Effective Date: Monday, November 30th, 2020
TermDividend RateAPY*Min. Dep.**
180 day 0.10% 0.10% $50.00
1 Year 0.15% 0.15% $50.00
2 Year 0.25% 0.25% $50.00
3 Year 0.40% 0.40% $50.00
4 Year 0.60% 0.60% $50.00
5 Year 0.85% 0.85% $50.00

*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually.  Ask for details. Fees may reduce earnings on the account.
**Requires a minimum deposit of $50. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice. 

 

All rates subject to change without notice.