Personal Accounts
| Account Type | Minimum Balance to Pay Interest | Interest Rate* | APY** |
|---|---|---|---|
| iChecking◊ | All Balances up to $10,000 with Tiered Rates |
1.49% | 1.50% |
| iChecking◊ | All Balances up to $10,000 with Tiered Rates |
1.00% | 1.00% |
| iChecking◊ | All Balances up to $10,000 with Tiered Rates |
0.05% | 0.05% |
| Platinum Checking | $1,000 | 0.05% | 0.05% |
| Savings | $100 | 0.05% | 0.05% |
| Young Savers | $25 |
0.05% | 0.05% |
| American Select Savings◊◊ | $100 | 1.24% | 1.25% |
| Pinnacle Money Market Account Base Tier◊◊◊ | $.0.01 | $0.01 - $9,999.99: 0.10% | $0.01 - $9,999.99: 0.10% |
| Pinnacle Money Market Account Tier 1◊◊◊ | $10,000 | $10,000.00 - $99,999.99: 0.50% | $10,000.00 - $99,999.99: 0.50% |
| Pinnacle Money Market Account Tier 2◊◊◊ | $100,000 | $100,000.00 - $249,999.99: 1.24% | $100,000.00 - $249,999.99: 1.25% |
| Pinnacle Money Market Account Tier 3◊◊◊ | $250,000 |
$250,000.00 - $499,999.99: 3.45%1
|
$250,000.00 - $499,999.99: 3.50%1 |
| Pinnacle Money Market Account Tier 4◊◊◊ | $500,000 | $500,000.00 and above: 3.45%1 | $500,000.00 and above: 3.50%1 |
*Interest Rates are effective as of 10/30/2025 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
**APY = Annual Percentage Yield
◊ iChecking Interest Reward Requirements:
Direct Deposit required to earn Interest Rewards for this account
E-Statements required to earn Interest Rewards for this account
Tier 1 - 20 posted debit transactions required per statement cycle
Tier 2 - 7 posted debit transactions required per statement cycle
Tier 3 - less than 7 posted debit transactions and/or Direct Deposit or E-Statement if requirements not met
Interest is earned on daily balance. Each day your account maintains a minimum balance of $0.01 or above, you will earn interest as provided in account disclosures for each statement cycle
◊◊American Select Savings
Quarterly Service Charge: $5.00 if daily balance falls below the minimum balance any day of the statement cycle
Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance of $100 or above, you will earn interest as provided in your account disclosure for each statement cycle
Withdrawals: An excess debit fee of $1.50 will be charged for each posted withdrawal or transfer, in excess of six (6) per statement cycle.
Quarterly Statements: eStatements are required. There will be a $5.00 service charge applied to the quarterly statement if you elect to receive a paper statement.
◊◊◊Pinnacle Money Market Account
1 Must deposit a minimum of $250,000 “New Money’ to obtain the rate and APY disclosed in Tier 3 and Tier 4 categories above. “New Money” is money that is not currently on deposit at American State Bank.
Monthly Service Charge: $10.00 if daily balance falls below the minimum balance any day of the statement cycle
Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance of $0.01 or above, you will earn interest as provided in your account disclosure for each statement cycle
Withdrawals: An excess debit fee of $10.00 will be charged for each posted withdrawal or transfer, in excess of six (6) per statement cycle.
Business Accounts
| Account Type | Minimum Balance to Pay Interest |
Interest Rate* | APY** |
|---|---|---|---|
| Business NOW◊◊◊◊ | All Balances | 0.05% | 0.05% |
| Pinnacle Money Market Account Base Tier◊◊◊ | $.01 | $0.01 - $9,999.99: 0.10% | $0.01 - $9,999.99: 0.10% |
| Pinnacle Money Market Account Tier 1◊◊◊ | $10,000 | $10,000.00 - $99,999.99: 0.50% | $10,000.00 - $99,999.99: 0.50% |
| Pinnacle Money Market Account Tier 2◊◊◊ | $100,000 | $100,000.00 - $249,999.99: 1.24% | $100,000.00 - $249,999.99: 1.25% |
| Pinnacle Money Market Account Tier 3◊◊◊ | $250,000 |
$250,000.00 - $499,999.99: 3.45%1
|
$250,000.00 - $499,999.99: 3.50%1 |
| Pinnacle Money Market Account Tier 4◊◊◊ | $500,000 | $500,000.00 and above: 3.45%1 | $500,000.00 and above: 3.50%1 |
*Interest Rates are effective as of 10/30/2025 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
**APY = Annual Percentage Yield
◊◊◊Pinnacle Money Market Account
1 Must deposit a minimum of $250,000 “New Money’ to obtain the rate and APY disclosed in Tier 3 and Tier 4 categories above. “New Money” is money that is not currently on deposit at American State Bank.
Monthly Service Charge: $10.00 if daily balance falls below the minimum balance any day of the statement cycle
Interest: Interest is earned on daily balance. Each day your account maintains a minimum balance of $0.01 or above, you will earn interest as provided in your account disclosure for each statement cycle
Withdrawals: An excess debit fee of $10.00 will be charged for each posted withdrawal or transfer, in excess of six (6) per statement cycle.
◊◊◊◊non-profit organizations, sole proprietors and government entities only
Interest is earned on daily balance. Each day your account maintains a minimum balance of $0.01 or above, you will earn interest as provided in account disclosures for each statement cycle
Interest is earned on daily balance. Each day your account maintains a minimum balance of $0.01 or above, you will earn interest as provided in account disclosures for each statement cycle
CDs/IRAs ($1,000 - $99,999)
| Term | Opening Balance Requirement | Interest Rate* | APY** |
|---|---|---|---|
| 3 Month | $1,000 | 2.47% | 2.50% |
| 6 Month | $1,000 | 2.57% | 2.60% |
| 12 Month | $1,000 | 2.72% | 2.75% |
| 18 Month | $1,000 | 2.81% | 2.85% |
| 24 Month | $1,000 | 2.48% | 2.51% |
| 36 Month | $1,000 | 2.29% | 2.31% |
| 48 Month | $1,000 | 2.34% | 2.36% |
| 60 Month | $1,000 | 2.53% | 2.56% |
**Annual Percentage Yield. The minimum to open and obtain the APY is $1,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 10/30/2025. Available for personal and business accounts.
CDs/IRAs - Jumbo ($100,000 & Above)
| Term | Opening Balance Requirement | Interest Rate* | APY** |
|---|---|---|---|
| 3 Month Jumbo | $100,000 | 3.01% | 3.05% |
| 6 Month Jumbo | $100,000 | 3.60% | 3.66% |
| 12 Month Jumbo | $100,000 | 3.50% | 3.56% |
| 18 Month Jumbo | $100,000 | 3.24% | 3.29% |
| 24 Month Jumbo | $100,000 | 2.96% | 3.00% |
| 36 Month Jumbo | $100,000 | 2.34% | 2.36% |
| 48 Month Jumbo | $100,000 | 2.38% | 2.41% |
| 60 Month Jumbo | $100,000 | 2.62% | 2.65% |
*Annual Percentage Yield. The minimum to open and obtain the APY is $100,000. Rates are fixed, compounded monthly. Withdrawal of interest will reduce earnings. A penalty may be imposed for early withdrawal. Refer to Truth-in Savings disclosure for complete details. Interest rates and APY's are effective 10/30/2025. Available for personal and business accounts.
*Interest Rates are effective as of 10/30/2025 and are subject to change without prior notice. For current interest rates call 866-579-7959.
**APY = Annual Percentage Yield
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle.
**APY = Annual Percentage Yield
Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in account disclosures for each statement cycle.