Bank · FDIC insured
American Metro Bank Savings Rates
American Metro Bank’s best savings rate is 1.20% APY on $10,000, with its Harvest Money Market. Rates checked October 16, 2026.
How American Metro Bank’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where American Metro Bank has the most branches. $10,000, best rate first.
This bank’s best
American Metro Bank
1.20%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $120
Harvest Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
American Metro Bank savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.20%
- QualifiedQualified1.20%
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 Metro Bank 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.
Harvest Money Market
1.20%APY
NEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. AMB reserves the right to accept balances over $1 million. $10.00 fee for each preauthorized transfer including checks over 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month.Any balance | 1.20% | $120 | NEW MONEY ONLY. Minimum daily balance of $10,000.00 to avoid $25.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month. |
Sources (2)
All captured Oct 6, 2026
Personal Money Market
0.20%APY
Tiered interest rates. Minimum daily balance of $2,000.00 or minimum average daily balance of $5,000.00 to avoid $15.00 monthly maintenance fee. Limited check writing ($10.00 for each preauthorized transfer including checks over 6 per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum daily balance of $2,000.00 or minimum average daily balance of $5,000.00 to avoid $15.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month. | 0.20% | $20 | Minimum daily balance of $2,000.00 or minimum average daily balance of $5,000.00 to avoid $15.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month. |
| $25,000 and upMinimum daily balance of $2,000.00 or minimum average daily balance of $5,000.00 to avoid $15.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month. | 0.25% | — | Minimum daily balance of $2,000.00 or minimum average daily balance of $5,000.00 to avoid $15.00 monthly maintenance fee. $10.00 fee for each preauthorized transfer including checks over 6 per month. |
Personal Savings
0.15%APY
For individuals who want a traditional savings account. Minimum daily balance of $250.00 or minimum average daily balance of $1,000.00 to avoid $3.00 monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounds and is paid quarterly. Monthly maintenance fee of $3.00 waived with $250.00 minimum daily balance or $1,000.00 minimum average daily balance.Any balance | 0.15% | $15 | Interest compounds and is paid quarterly. Monthly maintenance fee of $3.00 waived with $250.00 minimum daily balance or $1,000.00 minimum average daily balance. |
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.