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CDs/IRAs

CDs and IRAs

Whether your goals are short or long-term, you can select from a range of Certificates of Deposit or IRAs from American State Bank to meet your savings and retirement goals at a fixed rate of return. Our banking representatives are always available to discuss the best options for you.



Interest Rates are subject to change without prior notice. $1,000 minimum deposit required on all CD's. A penalty may be imposed for withdrawals before maturity. For current interest rates, call 1.866.579.7959.


15 Month Flex CD

With a 15-month Flex Certificate of Deposit from American State Bank, you get the flexibility to request an increase to your interest rate one time during the term of your CD. A 15-month Flex CD is a flexible savings option in today's changing market.

  • Minimum balance to open: $1,000
  • Term : 15 months
  • Interest Rate: 4.07%
  • *APY: 4.15%

Once your CD Account is opened, and prior to the maturity date of the CD, you may make a single request to increase the interest rate that is paid on your CD that is commensurate with the interest rate that is being paid on the same CD Account, having the same term to maturity as your original account. You may make this request in writing to us at the address shown in this agreement, or by contacting your local branch office. The increased interest rate will be paid on your account until the maturity date. Further restrictions may apply, please contact a bank representative.


*Annual Percentage Yield. The minimum to open and obtain the APY is $1,000. Rates are variable, 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 11/28/2022. Available for personal and business accounts.











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