Bank · FDIC insured
American Bank & Trust Savings Rates
Top CarrotAmerican Bank & Trust’s best savings rate is 1.90% APY on $10,000, with its Personal Money Market. Rates checked October 22, 2026.
How American Bank & Trust’s savings 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
1.90%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $190
Personal Money Market
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Morgantown Bank & Trust
2.16%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $216
American Bank & Trust savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.90%
- $100,000 balance$100,0003.55%
- QualifiedQualified1.90%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Money Market
1.90%APY
$2,500 daily balance to avoid a monthly service fee of $10.00. Earned interest when daily collected balance is >= $2,500. Limit of 6 debits/withdrawals per month without a charge; $10.00 fee per debit/withdrawal exceeding six.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $15,000 | 1.90% | $190 |
| $15,000 – $25,000 | 2.00% | — |
| $25,000 – $50,000 | 2.10% | — |
| $50,000 – $100,000 | 2.20% | — |
| $100,000 – $300,000 | 3.55% | — |
| $300,000 – $1,000,000 | 3.70% | — |
| $1,000,000 and up | 4.00% | — |
American Incentive Savings
1.00%APY
Interest is earned on the daily balance, accrued daily and compounded quarterly. Maintain a $100 daily balance to avoid a $5 service fee. A $5.00 dormant fee applies if no activity for 365 days (waived if balance >= $500.00).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest compounded quarterly. $5 monthly/quarterly fee if daily balance falls below $100.$100 and up | 1.00% | $100 | Interest compounded quarterly. $5 monthly/quarterly fee if daily balance falls below $100. |
Sources (3)
- ambanking.com/personal-savings
- ambanking.com/personal-savings/statement-savings
- ambanking.com/interest-rates
All captured Oct 9, 2026
Special-purpose accounts
Christmas Club Savings
0.50%APY
Interest earned on daily balance and compounded annually into the account in October (rate schedule heading notes quarterly compounding). Funds made available at maturity at the end of October. $20 penalty and accrued interest lost if closed before maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded annually in October (rate table heading notes quarterly compounding). $20 early closing penalty and loss of accrued interest before maturity.Any balance | 0.50% | $50 | Interest compounded annually in October (rate table heading notes quarterly compounding). $20 early closing penalty and loss of accrued interest before maturity. |
Sources (3)
- ambanking.com/personal-savings
- ambanking.com/interest-rates
- ambanking.com/personal-savings/christmas-club-savings
All captured Oct 9, 2026
Vacation Club Savings
0.50%APY
Interest earned on daily balance and compounded annually into the account at the end of March. Funds made available at maturity at the end of March. $20 penalty and accrued interest lost if closed before maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded annually at the end of March. $20 early closing penalty and loss of accrued interest before maturity.Any balance | 0.50% | $50 | Interest compounded annually at the end of March. $20 early closing penalty and loss of accrued interest before maturity. |
Sources (3)
- ambanking.com/personal-savings
- ambanking.com/personal-savings/vacation-club-savings
- ambanking.com/interest-rates
All captured Oct 9, 2026
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.