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American Trust & Savings Bank (IA)

Overview / Commentary
895 Main Street
Dubuque, IA 52001

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Reviews (4)

Great Rewards Checking Account

I'm not sure what the other reviewers are referring to, but I've had nothing but great experiences with American Trust. I've had my account open there for probably 2.5 - 3 years now and never once have I had my debit card "shut down" OR not qualified for the high rate of interest for having transactions under $23.

Unwilling To Open An Account

Posted by: vpvh78c | Jun 9, 2013

So my wife and I showed up at 11:15 on Saturday (Yesterday) to find a teller and a person at the desk.  She offered to help us and then when she figured out we needed to open a Reward Account, she said they would call us when someone was a available and we could come back in.  This was not by any means what we would define as acceptable service.  We took our business to another bank and opened it before noon.

Lowered Deposit

Posted by: Anonymous | Aug 17, 2012

This bank is not up front about having customers make $23 transactions to qualify for the interest. It has also lowered its maximum deposit to $15000 to qualify for the higher interest. They shut down your debit card if you don't make the $23/transactions. Not a very trustworthy bank.

Minimum $23 Per Transaction

Posted by: Anonymous | Jul 6, 2012

Be aware this bank does not state it on their website, but they require you to make $23 transactions in order to count. If you don't adhere to their rules they will shut down your debit card without notice. This bank is not upfront on their reward checking account rules.


Health Grade Components

FDIC Certificate #14843
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD8.57%
Annual Interest Income$33.6MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$3.30B$3.23B
LoansQ1 2019vs Q1 2018$2.37B$2.30B
DepositsQ1 2019vs Q1 2018$2.69B$2.64B
Equity CapitalQ1 2019vs Q1 2018$377.9MM$363.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$29.7MM$29.7MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$21.4MM$13.3MM
Real Estate OwnedQ1 2019vs Q1 2018$182.00K$991.00K
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Always verify rates and promotions with the bank or credit union. We are not American Trust & Savings Bank (IA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American Trust & Savings Bank (IA) Savings Account Rates

1.52%*$100k*-IRA Savings
OTHER TIERS: 1.20% Up to $15k | 1.30% $15k - $50k | 1.40% $50k - $100k
1.51%*-$25kPower Savings
OTHER TIERS: 0.10% $25k+
0.65%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.20% Up to $1k | 0.25% $1k - $5k | 0.40% $5k+
0.10%--Consumer Savings
0.10%--ClubOne Savings
0.10%--Goal Savings w/ Checking

American Trust & Savings Bank (IA) Money Market Rates

0.20%*$100k*-Money Market Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k

American Trust & Savings Bank (IA) Checking Account Rates

2.25%*-$25kPower Checking
OTHER TIERS: 0.10% $25k+
0.15%*$50k*-Relationship Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $50k
0.15%*$50k*-Connections Club Checking
OTHER TIERS: 0.05% Any amount | 0.10% $5k+

American Trust & Savings Bank (IA) CD Rates

2.62%*$100k*-49 Month CD Special
OTHER TIERS: 2.26% $25k - $50k | 2.52% $50k - $100k
2.61%*$50k*-29 Month Bump Up CD Special W/ Primary Checking
OTHER TIERS: 2.46% $1k - $50k
2.36%*$50k*-29 Month CD Special
OTHER TIERS: 2.21% $1k - $50k
2.11%*$100k*-23 Month CD Special
OTHER TIERS: 1.71% $5k - $10k | 1.81% $10k - $25k | 1.91% $25k - $50k | 2.01% $50k - $100k
1.52%*$25k*-60 Month CD
OTHER TIERS: 1.25% $2k - $25k
0.80%*$50k*-36 Month CD
OTHER TIERS: 0.70% $2k - $25k | 0.75% $25k - $50k
0.70%*$50k*-30 Month CD
OTHER TIERS: 0.60% $2k - $25k | 0.65% $25k - $50k
0.60%*$50k*-24 Month CD
OTHER TIERS: 0.50% $2k - $25k | 0.55% $25k - $50k
0.50%*$50k*-21 Month CD
OTHER TIERS: 0.40% $2k - $25k | 0.45% $25k - $50k
0.45%*$50k*-18 Month CD
OTHER TIERS: 0.35% $2k - $25k | 0.40% $25k - $50k
0.40%*$50k*-6 Month CD
OTHER TIERS: 0.30% $2k - $25k | 0.35% $25k - $50k
0.40%*$50k*-9 Month CD
OTHER TIERS: 0.30% $2k - $25k | 0.35% $25k - $50k
0.40%*$25k*-12 Month CD
OTHER TIERS: 0.30% $2k - $25k
0.15%*$50k*-3 Month CD
OTHER TIERS: 0.10% $2k - $50k


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