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IRA CDs

Personal IRA CD Promotion

Special Promotion - IRA CDAnnual Percentage Yields (APY) current as of November 28, 2022
Term Interest Rate APY
14 Month 3.44% 3.50%
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  • Minimum Deposit – $500
  • Minimum Deposit for IRAs - $250                                                                   
  • New money only – New money is money that is not currently on deposit at American Bank; funds transferred from an existing American Bank account are not eligible
  • This promotion is for the initial term only. At maturity, the CD will automatically renew for the 12 Month term at the then current non-promotional rate. 
  • FREE access to Online Banking1
  • Trusts, Brokered Deposits, or Public Funds are not eligible to participate in this promotion
  • A penalty may be imposed for early withdrawal
  • Fees may reduce earnings on the account
  • Other rates and terms available upon request

To learn more or to apply for an IRA, contact a member of our Customer Service team today.

Personal IRA CD Rates

IRA Certificates of DepositAnnual Percentage Yields (APY) current as of November 28, 2022
Term Interest Rate APY
90 Day 0.75% 0.75%
182 Day 1.00% 1.01%
9 Month 2.32% 2.35%
12 Month 1.00% 1.01%
18 Month 1.00% 1.01%
24 Month 1.49% 1.50%
30 Month 1.49% 1.50%
36 Month 1.49% 1.50%
48 Month 1.98% 2.00%
60 Month 2.47% 2.50%
Learn More
  • Minimum Deposit for IRAs - $250
  • Interest is compounded daily & earned on the daily balance
  • FREE access to Online Banking1
  • Penalties may apply for early withdrawal
  • Instant Access CDs are not available for IRAs
  • Fees may reduce earnings on the account
  • Rates are subject to change at any time without notice

1 Internet service provider charges apply