Featured Savings Rates
Featured Accounts

American Trust & Savings Bank (IA)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
3.01%Reward CheckingREWARDChecking
1.51%Reward SavingsREWARDSavings
1.41%5-year CD60 Months CD

Overview / Commentary
563-582-1841
9th And Main Streets
Dubuque, IA 52001

American Trust & Savings Bank (IA) is headquartered in Dubuque and is the 14th largest bank in the state of Iowa. It is also the 672nd largest bank in the nation. It was established in 1905 and as of December of 2015, it had grown to 304 employees at 11 locations. American Trust & Savings Bank (IA)'s money market rates are 3X the national average, and it has an A health rating.

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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
A

Health Grade Components

Overall
FDIC Certificate #13150
Year Established1905
Employees304
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.89%
Annual Interest Income$35.1MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1.04B$996.2MM
LoansQ4 2015vs Q4 2014$811.5MM$755.2MM
DepositsQ4 2015vs Q4 2014$858.2MM$824.8MM
Equity CapitalQ4 2015vs Q4 2014$112.1MM$104.9MM
Loan Loss AllowanceQ4 2015vs Q4 2014$9.0MM$8.5MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$3.5MM$6.4MM
Real Estate OwnedQ4 2015vs Q4 2014$5.2MM$4.9MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*-$15kREWARDSavings
OTHER TIERS: 0.25% $15k+
0.80%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.20% Up to $1k | 0.30% $1k - $5k
0.17%--Christmas Club
0.10%--Passbook Savings
0.10%--Statement Savings

American Trust & Savings Bank (IA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%--IRA Money Market
0.20%*$100k*-Money Market Investment Account
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k

American Trust & Savings Bank (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.01%*-$15kREWARDChecking
OTHER TIERS: 0.25% $15k+
0.10%--Interest Checking

American Trust & Savings Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$25k*-60 Months CD
OTHER TIERS: 1.15% $2k - $25k
0.70%*$50k*-36 Months CD
OTHER TIERS: 0.60% $2k - $25k | 0.65% $25k - $50k
0.60%*$50k*-30 Months CD
OTHER TIERS: 0.50% $2k - $25k | 0.55% $25k - $50k
0.55%$5k-10 Months Special CD
0.50%*$50k*-24 Months CD
OTHER TIERS: 0.40% $2k - $25k | 0.45% $25k - $50k
0.40%*$5k*-18 Months CD
OTHER TIERS: 0.35% $2k - $5k
0.40%$2k-21 Months CD
0.35%$10k-9 Months Liquid CD
0.35%*$50k*-6 Months CD
OTHER TIERS: 0.25% $2k - $25k | 0.30% $25k - $50k
0.35%*$25k*-9 Months CD
OTHER TIERS: 0.25% $2k - $25k
0.35%*$50k*-12 Months CD
OTHER TIERS: 0.25% $2k - $25k | 0.30% $25k - $50k
0.10%*$50k*-3 Months CD
OTHER TIERS: 0.05% $2k - $50k
Locations

American Trust & Savings Bank (IA) has 11 locations. Click to view all American Trust & Savings Bank (IA) locations.