In an effort to combat COVID-19, if you are sick or have been recently, please do not come into our lobbies, but instead use a drive thru location, Online Banking, or our Contact Center. Thank you!
The lobby of our Manchester Branch is closed temporarily, but our drive thru will remain open for transactions. Visit our locations page for full details.
*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: Tuesday, April 13th, 2021
Type
APR 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: Tuesday, April 13th, 2021
Type
APR 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: Tuesday, April 13th, 2021
Type
APR 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.
*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: Tuesday, April 13th, 2021
Term
Dividend Rate
APY*
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: Tuesday, April 13th, 2021
Term
Dividend Rate
APY*
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.
