American Bank & Trust Company, Inc. savings, CD and money market rates
American Bank & Trust Company, Inc. advertises 1.00% APY on its American Incentive Savings account. That is 0.63 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #697 of 2789 tracked savings rates by advertised APY. For a $10,000 balance it would rank #485. The advertised rate has not changed in the 4 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
Estimate your earnings·What American Bank & Trust Company, Inc. actually pays
American Bank & Trust Company, Inc. at a glance
| Savings | |
|---|---|
| Top savings APY | 1.00% · American Incentive Savings |
| Minimum to open | $100 · American Incentive Savings |
| Against the national average | 0.63 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.25% · 9 months · 9 Month CD |
| Minimum to open | $1,000 · 9 months CD |
| Money market | |
| Top money market APY | Up to 4.00% · Money Market (Personal) · needs at least $1,000,000 |
| Minimum to open | $2,500 · Money Market (Personal) |
| Against the national average | 3.37 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 35568 · Bowling Green, KY |
|---|---|
| Website | www.ambanking.com |
| Branches | 6 branches in KY |
| Availability | Available in KY |
American Bank & Trust Company, Inc. savings, CD and money market rates
Personal
How the rate applies
IRA
Business
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
American Bank & Trust Company, Inc. CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 2.00% | $1,000 | 90 Day CD |
| 6 months | 2.00% | $1,000 | 180 Day CD |
| 9 months | 4.25% | $1,000 | 9 Month CD |
| 12 months | 4.10% | $1,000 | 12 Month CD |
| 18 months | 3.40% | $1,000 | 18 Month CD |
| 24 months | 3.85% | $1,000 | 24 Month CD |
| 30 months | 3.30% | $1,000 | 30 Month CD |
| 36 months | 3.30% | $1,000 | 36 Month CD |
| 48 months | 3.30% | $1,000 | 48 Month CD |
| 60 months | 3.10% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 9 months | 4.25% | $1,000 | 9 Month IRA |
| 12 months | 4.10% | $1,000 | 12 Month IRA |
| 18 months | 3.40% | $1,000 | 18 Month IRA |
| 24 months | 3.85% | $1,000 | 24 Month IRA |
| 30 months | 3.30% | $1,000 | 30 Month IRA |
| 36 months | 3.30% | $1,000 | 36 Month IRA |
| 48 months | 3.30% | $1,000 | 48 Month IRA |
| 60 months | 3.10% | $1,000 | 60 Month IRA |
Interactive Tool
Calculate Savings for American Bank & Trust Company, Inc.
All calculations are based on APY.
Tiered rates: 1.85% to 3.70% APY across 7 balance tiers.
Savings Breakdown
- Interest Earned+$856.70(5.2%)
- Total Contributions$13,000
- Initial Deposit$2,500
Projected Balance
$16,356.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What American Bank & Trust Company, Inc. pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, American Bank & Trust Company, Inc. paid a higher average rate on savings and money market deposits than 92% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- American Bank & Trust Company, Inc., savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| American Incentive Savings | 1.00% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: A $5 service fee is charged each quarter unless the account keeps a $100 daily balance. A further $5 dormant fee applies if the account has no activity for 365 days and has not held a balance of $500 or more. | ||||||||
| Christmas Club | 0.50% | $10 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account matures at the end of October, when the funds are made available. Closing it before maturity costs a $20 penalty and forfeits the accrued interest. | ||||||||
| Vacation Club | 0.50% | $10 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account matures at the end of March, when the funds are made available. Closing it before maturity costs a $20 penalty and forfeits the accrued interest. | ||||||||
| Money Market (Personal) | 4.00% | $2,500 | $2,500 | None | not stated | not stated | Tiered | |
| Business | ||||||||
| Money Market (Business) | 3.70% | $2,500 | $2,500 | None | not stated | not stated | Tiered | |
| Business Savings | 0.50% | $100 | $0 | None | not stated | not stated | One rate | |
Fine print for 2 products above: Each debit by check or electronic transfer above the six-per-cycle limit costs $10. Withdrawals made in person at the bank or at an ATM are unlimited.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 90 Day CD | 3 months | 2.00% | $1,000 | not stated | not stated |
| 180 Day CD | 6 months | 2.00% | $1,000 | not stated | not stated |
| 9 Month CD | 9 months | 4.25% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 4.10% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 3.40% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 3.85% | $1,000 | not stated | not stated |
| 30 Month CD | 30 months | 3.30% | $1,000 | not stated | not stated |
| 36 Month CD | 36 months | 3.30% | $1,000 | not stated | not stated |
| 48 Month CD | 48 months | 3.30% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 3.10% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 9 Month IRA | 9 months | 4.25% | $1,000 | not stated | not stated |
| 12 Month IRA | 12 months | 4.10% | $1,000 | not stated | not stated |
| 18 Month IRA | 18 months | 3.40% | $1,000 | not stated | not stated |
| 24 Month IRA | 24 months | 3.85% | $1,000 | not stated | not stated |
| 30 Month IRA | 30 months | 3.30% | $1,000 | not stated | not stated |
| 36 Month IRA | 36 months | 3.30% | $1,000 | not stated | not stated |
| 48 Month IRA | 48 months | 3.30% | $1,000 | not stated | not stated |
| 60 Month IRA | 60 months | 3.10% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in KY |
|---|---|
| Footprint | 6 branches in KY |
| Eligibility | not stated |
How American Bank & Trust Company, Inc. behaves over time
Every observation of the advertised American Incentive Savings rate in the last 12 months was 1.00% (observed through Oct 9, 2026). The series includes promotional tiers where one applied.
American Bank & Trust Company, Inc. has not changed its advertised savings rate in the 4 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
- American Incentive Savings
- The same as 30 days ago.
- 9 months CD
- The same as 30 days ago.
- Money Market (Personal)
- Up 0.30 percentage points from 30 days ago.
- Rate last changed
- Sep 18, 2026(effective date)
$10,000 at the 1.00% APY American Bank & Trust Company, Inc. advertises on American Incentive Savings grows to $10,100 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,768 does today. See how the federal funds rate shapes savings rates.
American Bank & Trust Company, Inc. CD rates over time
Who is American Bank & Trust Company, Inc.?
| Headquarters | Bowling Green, KY |
|---|---|
| Founded | 2000 |
| Scale | $924M assets · $800M deposits, $705M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 35568 |
| Charter state | Kentucky · one of 120 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,079th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 46% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What American Bank & Trust Company, Inc. pays on deposits above.
Common questions about American Bank & Trust Company, Inc.
Is American Bank & Trust Company, Inc. FDIC insured?
Yes. American Bank & Trust Company, Inc. is FDIC insured under certificate 35568, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at American Bank & Trust Company, Inc.?
American Bank & Trust Company, Inc. requires a minimum deposit of $100 to open its American Incentive Savings account, as observed on Oct 9, 2026. Check the bank's current terms before you open an account.
Does American Bank & Trust Company, Inc. have branches?
Yes. American Bank & Trust Company, Inc. operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
American Bank & Trust Company, Inc. against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| American Bank & Trust Company, Inc. | 1.00% | 2.87% | $100 | 6 branches in KY |
| American State Bank | 1.00% | 2.47% | $100 | 5 branches in TX |
| Anahuac National Bank | 1.00% | 0.88% | $50 | 5 branches in TX |
| Bank of Pensacola | 1.00% | 1.49% | $10 | 2 branches in FL |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to American Bank & Trust Company, Inc.'s.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Kentucky, nearest to American Bank & Trust Company, Inc. in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.