Savings Rates
| Certificates of Deposit (CDs) | |||
| Effective Date: Friday, April 3rd, 2020 | |||
| Term | Dividend Rate | APY* | Min. Dep. |
| 180 day | 0.75% | 0.75% | $500.00 |
| 1 Year | 1.00% | 1.00% | $500.00 |
| 2 Year | 1.25% | 1.25% | $500.00 |
| 3 Year | 1.50% | 1.50% | $500.00 |
| 4 Year | 1.75% | 1.75% | $500.00 |
| 5 Year | 2.00% | 2.00% | $500.00 |
| *APY = Annual percentage yield. Requires a minimum deposit of $500. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice. | |||
| Savings Accounts | ||||
| Effective Date: Friday, April 3rd, 2020 | ||||
| Name | Dividend Rate | APY* | Min. Opening Deposit | Minimum Balance |
| Regular Share Savings Account | 0.15% | 0.15% | $5 | $5 |
| True Savings Account | 0.15% | 0.15% | $0 | $0 |
| Members Choice Account | 0.15% | 0.15% | $0 | $0 |
| Eagle Earners Account | 0.25% | 0.25% | $0 | $0 |
| Vacation Club | 0.15% | 0.15% | $0 | $0 |
| Christmas Club | 0.15% | 0.15% | $0 | $0 |
| Premier Checking Account | 0.15% | 0.15% | $2,000 | $2,000 |
| Money Market Account | 0.25% | 0.25% | $5,000 | $5,000 |
| IRAs/ Roth IRAs/ Coverdell ESAs | |||
| Effective Date: Friday, April 3rd, 2020 | |||
| Term | Dividend Rate | APY* | Min. Dep. |
| 180 day | 0.75% | 0.75% | $50.00 |
| 1 Year | 1.25% | 1.26% | $50.00 |
| 2 Year | 1.50% | 1.51% | $50.00 |
| 3 Year | 1.75% | 1.76% | $50.00 |
| 4 Year | 2.00% | 2.02% | $50.00 |
| 5 Year | 2.25% | 2.27% | $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.
Loan Rates
| Vehicle & Secured Loans | ||
| Effective Date: Friday, April 3rd, 2020 | ||
| Type | APR | Max Term for Rate |
| Auto | 2.99%* | 72 months |
| Motorcycle | 5.49%* | 60 months |
| Tractor | 3.49%* | 48 months |
| Boat | 3.99%* | 84 months |
| Mobility | 4.49%* | 48 months |
| RV | 4.49%* | 60 months |
| Unsecured Loans | ||
| Effective Date: Friday, April 3rd, 2020 | ||
| Type | APR | Max Term for Rate |
| Signature Loan | 9.00% * | 60 months |
| Credit Cards | |
| Effective Date: Friday, April 3rd, 2020 | |
| Type | APR |
| Non-Variable Rate | 10.00% * |
| Variable Rate** | 8.99% * |
| Home Equity Loans / Lines of Credit | |
| Effective Date: Friday, April 3rd, 2020 | |
| Type | APR |
| 10 year Home Equity loan | 7.25% * |
| 15 year Home Equity loan | 7.50% * |
| 20 year Home Equity loan | 7.75% * |
| Home Equity line of credit | Prime ** - 0.50% * |
| 5.00% 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.
***Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
All rates subject to change without notice.
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