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Home > Savings & Investments

High Yield Money Market Special!

Guarenteed rate until November 10, 2010  

1.70% APY*  $25,000 Daily Minimum Balance Requirement
0.61% APY     On Balances less than $25,000


Savings

  • $100 minimum to open
  • $6 quarterly service charge if balance falls below $100
  • $2 for each withdrawal over 6 per quarter
  • Interest credited quarterly

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Young Americans Savings

  • For depositors age 18 or younger
  • $25 minimum to open
  • $3 quarterly service charge if balance falls below $25
  • $2 for each withdrawal over 6 per quarter
  • Interest credited quarterly

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Christmas Club

  • $25 minimum to open
  • $10 fee for closing Christmas Club prior to completion
  • Interest credited annually and check disbursed

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Money Market Account

  • $2,500 minimum to open
  • $15 monthly maintenance fee if daily balance falls below $2,500
  • Up to 6 free transactions per cycle period, 3 of which may be made by check, draft or debit card to third parties ($15 charge for each item over 3)
  • Interest credited monthly
  • Interest rate is based on a tiered system: The higher your balance, the higher the interest rate.

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Certificates of Deposit

  • Certificates ranging in terms from 6 months to 24 months
  • $1,000 minimum to open
  • Automatic renewal
  • Penalty for early withdrawals
  • Interest can be transferred to an American Trust Checking Account

 

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IRA – 12 Months – Fixed Rate

  • $100 minimum to open
  • Deposits may be added at any time
  • Early withdrawals may be subject to interest and tax penalties

IRA – 24 Months – Fixed Rate

  • $100 minimum to open
  • Deposits may be added at any time
  • Early withdrawals may be subject to interest and tax penalties

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CD Early Withdrawal Penalties:

Term of 90 days or less – all accrued interest
Term greater than 90 days to 12 months – 90 days penalty
Term greater than 12 months – 180 days penalty

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*The advertised Annual Percentage Yield (APY) is accurate as of June 21 2010. The rate may change after the account is open, but the 1.70% rate will not change until November 10, 2010. Fees applied to accounts lower than the daily minimum balance and could reduce the earnings on the account.