American Heritage Bank savings, CD and money market rates
American Savings lists 0.60% APY on balances of $75,000 or more, and 0.40% below that. On a $10,000 balance the account earns 0.40% overall, about $40 in a year, which is 0.02 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #1035 of 3052 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1077.
Estimate your earnings·What American Heritage Bank actually pays
American Heritage Bank at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 0.60% · American Savings · needs at least $75,000 · needs a linked account at the bank |
| Minimum to open | $100 · American Savings |
| Against the national average | 0.22 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.05% · 7 months · 7 Month Personal Special CD |
| Minimum to open | $5,000 · 7 months CD |
| Against the national average | 2.66 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 2.40% · American Gold Money Market · needs at least $250,000 |
| Minimum to open | $5,000 · American Gold Money Market |
| Against the national average | 1.77 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 4190 · Sapulpa, OK |
|---|---|
| Website | www.ahb.bank |
| Branches | 24 branches in OK |
| Availability | Available in OK |
American Heritage Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. 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 4.20% or more. See the highest savings rates.
American Heritage Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 2.75% | $1,000 | 3 Month CD |
| 6 months | 3.00% | $1,000 | 6 Month CD |
| 7 months | 4.05% | $5,000 | 7 Month Personal Special CD |
| 12 months | 3.10% | $1,000 | 12 Month CD |
| 18 months | 3.20% | $1,000 | 18 Month CD |
| 24 months | 3.30% | $1,000 | 24 Month CD |
| 36 months | 3.40% | $1,000 | 36 Month CD |
| IRA CDs | |||
| 18 months | 3.00% | $250 | 18 Month IRA Variable |
| 18 months | 3.20% | $250 | 18 Month IRA Fixed & Roth & Education |
| 36 months | 3.40% | $250 | 36 Month IRA Fixed |
Interactive Tool
Calculate Savings for American Heritage Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$149.80(1.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,149.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What American Heritage Bank 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. The 0.60% needs a balance of at least $75,000. Below that, the account advertises 0.40%.
In Q2 2026, American Heritage Bank paid a higher average rate on savings and money market deposits than 17% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- American Heritage Bank, 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 |
|---|---|---|---|---|---|---|---|---|
| American Savings | Up to 0.60% | $100 | $0 | None | not stated | Linked account at the bank · direct deposit not stated | Tiered | |
| Fine print: A standing automatic transfer of at least $25.00 a month from an American Heritage Bank checking account into this account is required. | ||||||||
| Personal/Minor Savings | Up to 0.40% | $100 | $0 | None | not stated | not stated | Tiered | |
| Fine print: The minor version of this account opens with $25.00 instead of the $100.00 personal minimum. | ||||||||
| American Gold Money Market | Up to 2.40% | $5,000 | $0 | None | not stated | not stated | Tiered | |
| Fine print: Only the first two withdrawals each month are free; each further withdrawal costs $5.00. Money Market checks must be purchased. | ||||||||
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 | |||||
| 3 Month CD | 3 months | 2.75% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 3.00% | $1,000 | not stated | not stated |
| 7 Month Personal Special CD | 7 months | 4.05% | $5,000 | not stated | not stated |
| 12 Month CD | 12 months | 3.10% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 3.20% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 3.30% | $1,000 | not stated | not stated |
| 36 Month CD | 36 months | 3.40% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 18 Month IRA Variable | 18 months | 3.00% | $250 | not stated | not stated |
| Fine print: The rate is variable and can change during the term, unlike the fixed-rate IRA of the same length. | |||||
| 18 Month IRA Fixed & Roth & Education | 18 months | 3.20% | $250 | not stated | not stated |
| 36 Month IRA Fixed | 36 months | 3.40% | $250 | not stated | not stated |
Opening and using the account
| Availability | Available in OK |
|---|---|
| Footprint | 24 branches in OK |
| Eligibility | not stated |
How American Heritage Bank behaves over time
- 12-month high
- 0.60%
- 12-month low
- 0.50%
- Advertised now
- 0.60%
- At the 12-month high
The advertised American Savings rate, observed through Oct 14, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 7, 2026American Gold Money MarketRaise:0.65%to0.80%
- Obs. Oct 7, 2026Personal/Minor SavingsRaise:0.30%to0.35%
- Obs. Oct 7, 2026American SavingsRaise:0.30%to0.40%
- Obs. Oct 7, 20263 Month CDRaise:2.25%to2.75%
- Obs. Oct 7, 20266 Month CDRaise:2.50%to3.00%
- 7 months CD
- Up 0.20 percentage points from 7 days ago.
$10,000 in American Heritage Bank's American Savings earns 0.40% overall at the advertised rates, so it grows to $10,040 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,678 does today. See how the federal funds rate shapes savings rates.
- American Savings APY
- Banksparency savings index
American Heritage Bank CD rates over time
Who is American Heritage Bank?
| Headquarters | Sapulpa, OK |
|---|---|
| Founded | 1905 |
| Scale | $1.5B assets · $1.2B deposits, $850M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 4190 |
| Charter state | Oklahoma · one of 170 insured banks chartered there (Q2 2026, FDIC) |
| Size | 799th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 13% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What American Heritage Bank pays on deposits above.
Common questions about American Heritage Bank
Is American Heritage Bank FDIC insured?
Yes. American Heritage Bank is FDIC insured under certificate 4190, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at American Heritage Bank?
American Heritage Bank requires a minimum deposit of $100 to open its American Savings account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does the 0.60% apply to my whole balance?
The 0.60% needs a balance of at least $75,000. Below that, the account advertises 0.40%. The rate needs a linked account at the bank. Rates are as observed on Oct 14, 2026.
Does American Heritage Bank have branches?
Yes. American Heritage Bank operates 24 branches according to FDIC branch records, in addition to its website and mobile apps.
American Heritage Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| American Heritage Bank | Up to0.60% | 0.59% | $100 | 24 branches in OK |
| Alma Bank | Up to0.60% | 2.42% | $10,000 | 13 branches in NJ, NY |
| Chelsea State Bank | Up to0.60% | 0.94% | $1 | 4 branches in MI |
| Currie State Bank | Up to0.60% | 1.10% | $1 | 2 branches in MN |
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 Heritage Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Oklahoma, nearest to American Heritage Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Oklahoma, CD rates in Oklahoma, money market rates in Oklahoma, and banks in Oklahoma.