American Trust & Savings Bank (IA)

Overview / Commentary
895 Main Street
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 639th largest bank in the nation. It was established in 1905 and as of December of 2018, it had grown to 272 employees at 12 locations. American Trust & Savings Bank (IA) 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 Grade Components

FDIC Certificate #13150
Year Established1905
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD9.37%
Annual Interest Income$43.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.25B$1.16B
LoansQ4 2018vs Q4 2017$992.4MM$950.7MM
DepositsQ4 2018vs Q4 2017$1.04B$942.3MM
Equity CapitalQ4 2018vs Q4 2017$131.0MM$122.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$10.9MM$10.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.1MM$3.2MM
Real Estate OwnedQ4 2018vs Q4 2017$3.4MM$4.2MM
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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

OTHER TIERS: 0.25% $15k+
1.51%*-$20kFirst-Time Homebuyer Savings
OTHER TIERS: 0.20% $20k+
0.80%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.20% Up to $1k | 0.30% $1k - $5k
0.20%--Statement Savings
0.20%--Christmas Club

American Trust & Savings Bank (IA) Money Market Rates

1.52%--IRA Money Market
1.26%*$250k*-Reward Money Market
OTHER TIERS: 0.25% Up to $25k | 0.30% $25k - $50k | 0.50% $50k - $100k | 1.00% $100k - $250k
0.30%*$100k*-Money Market Investment Account
OTHER TIERS: 0.20% Up to $50k | 0.25% $50k - $100k

American Trust & Savings Bank (IA) Checking Account Rates

0.20%--Interest Checking

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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