Bank · FDIC insured
American Bank & Trust CD Rates
Top CarrotAmerican Bank & Trust’s best CD rate is 4.45% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How American Bank & Trust’s CD rates compare
Compared with banks and credit unions near Bowling Green, KY, where American Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
American Bank & Trust
4.45%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $559
Certificate of Deposit
Top rate
Abound Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
American Bank & Trust CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.45%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where American Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.45%APY · 12 terms
Fixed interest rate on daily balance until maturity. Interest accrued daily and compounded monthly. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. Special promotions may require different minimum deposits. Check writing not allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 2.00% | $100 |
| 9 months | 4.25% | $317 |
| 10 months | 4.35% | $361 |
| 12 months | 4.10% | $410 |
| 15 months | 4.45% | $559 |
| 18 months | 3.40% | $514 |
| 24 months | 3.85% | $785 |
| 30 months | 3.30% | $846 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.10% | $1,649 |
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 4.45%APY · 10 terms
Contributions placed into Traditional IRA or Roth IRA Certificate of Deposits. Fixed interest rate on daily balance until maturity. Interest is accrued daily and compounded quarterly. Substantial early withdrawal penalty unless age 59 1/2 and taking qualified distribution. Automatically renewable with 10 grace days after maturity. Special promotions may require different minimum deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsInterest is compounded quarterly | 4.25% | $317 |
| 10 monthsInterest is compounded quarterly | 4.35% | $361 |
| 12 monthsInterest is compounded quarterly | 4.10% | $410 |
| 15 monthsInterest is compounded quarterly | 4.45% | $559 |
| 18 monthsInterest is compounded quarterly | 3.40% | $514 |
| 24 monthsInterest is compounded quarterly | 3.85% | $785 |
| 30 monthsInterest is compounded quarterly | 3.30% | $846 |
| 36 monthsInterest is compounded quarterly | 3.30% | $1,023 |
| 48 monthsInterest is compounded quarterly | 3.30% | $1,387 |
| 60 monthsInterest is compounded quarterly | 3.10% | $1,649 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.