Bank · FDIC insured
AmericanBank CD Rates
Top CarrotAmericanBank’s best CD rate is 4.10% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How AmericanBank’s CD rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where AmericanBank has the most branches. $10,000, best rate first.
This bank’s best
AmericanBank
4.10%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $101
Certificates of Deposit
Top rate
First Northern Bank and Trust
4.73%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $968
2nd-highest rate
Unity Bank
4.40%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $667
AmericanBank CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.10%
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 AmericanBank 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.
America's 250th - 250 Day CD Promotion
4.25%APY · 1 term
New money only (funds not currently on deposit at American Bank; funds transferred from an existing American Bank account are not eligible). 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. IRAs, Coverdell Education Savings accounts, Trusts, Brokered Deposits, or Public Funds are not eligible to participate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 months250 Days term. Minimum deposit $5,000, maximum deposit $2,500,000. Interest compounded daily | 4.25% | $293 |
Sources (1)
- ambk.com/rates/personal-deposits/cds · captured Oct 6, 2026
Certificates of Deposit
Up to 4.10%APY · 11 terms
Minimum deposit $500. Interest is compounded daily and earned on the daily balance. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day term | 4.10% | $101 |
| 4 months120 Day Instant Access. Instant Access CDs are not available for IRAs | 3.80% | $125 |
| 6 months182 Day term | 4.10% | $205 |
| 9 months9 Month term | 4.10% | $306 |
| 12 months12 Month term | 4.10% | $410 |
| 18 months18 Month term | 4.10% | $621 |
| 24 months24 Month term | 4.10% | $837 |
| 30 months30 Month term | 3.50% | $898 |
| 36 months36 Month term | 3.80% | $1,184 |
| 48 months48 Month term | 3.80% | $1,609 |
| 60 months60 Month term | 3.80% | $2,050 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.10%APY · 10 terms
Minimum deposit for IRAs is $500. Interest is compounded daily and earned on the daily balance. Instant Access CDs are not available for IRAs. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day term | 4.10% | $101 |
| 6 months182 Day term | 4.10% | $205 |
| 9 months9 Month term | 4.10% | $306 |
| 12 months12 Month term | 4.10% | $410 |
| 18 months18 Month term | 4.10% | $621 |
| 24 months24 Month term | 4.10% | $837 |
| 30 months30 Month term | 3.50% | $898 |
| 36 months36 Month term | 3.80% | $1,184 |
| 48 months48 Month term | 3.80% | $1,609 |
| 60 months60 Month term | 3.80% | $2,050 |
Sources (1)
- ambk.com/rates/personal-deposits/ira-cds · captured Oct 16, 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.