Rates - American National Bank

Kasasa Cash*

(with qualifications met during a monthly qualification cycle)

Minimum	Maximum	Interest Rate	APY***
$0.00	$15,000.00	2.96	3.00

Daily balances over $15,000 earn an interest rate of 0.10%, resulting in a range from 3.00% to 0.48% APY depending on the account’s daily balance.
When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire daily balance .05% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded.

Kasasa Saver*

(with qualifications in your linked Kasasa Cash or Cash Back Account met during a monthly qualification cycle)

Minimum	Maximum	Interest Rate	APY***
$0.00	$50,000.00	0.50	0.50

Daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $50,000, resulting in a range from 0.50% to 0.33% APY depending on the account’s daily balance.
When your linked Kasasa Cash account qualifications are not met, the entire daily balance in the Kasasa Saver account earns an interest rate of .05% resulting in an annual percentage yield of .05% APY.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of .05% resulting in an annual percentage yield of .05% APY.
APY calculations are based on an assumed balance of $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Money Market*

Minimum	Maximum	Interest Rate	APY***
$0.00	$9,999.99	0.20	0.20
$10,000.00	$99,999.99	0.50	0.50
$100,000.00	$249,999.99	0.95	0.95
$250,000.00	$499,999.99	1.14	1.15
$500,000.00	None	1.34	1.35

Certificates of Deposit* **

($500 minimum balance to open)

Term	Interest Rate	APY***	Rate Type
6 months	0.90	0.90	Fixed
12 months	0.90	0.90	Fixed
***14 months	4.76	4.85	Fixed
18 months	1.00	1.00	Fixed
24 months	1.24	1.25	Fixed
30 months	1.49	1.50	Fixed
36 months	1.49	1.50	Fixed
48 months	1.74	1.75	Fixed
60 months	1.99	2.00	Fixed
***New money for the initial $5,000-$20,000 deposit. Existing funds can be used over $20,000.

Regular Savings*

Minimum	Maximum	Interest Rate	APY***
$100.00	$9,999.99	0.01	0.01
$10,000.00	$24,999.99	0.05	0.05
$25,000.00	None	0.10	0.10

Liberty or Young Savers Savings*

Minimum	Maximum	Interest Rate	APY***
$0.00	$9,999.99	0.01	0.01
$10,000.00	$24,999.99	0.05	0.05
$25,000.00	None	0.10	0.10

HSA Checking*

Minimum	Maximum	Interest Rate	APY***
$0.00	$999.99	0.01	0.01
$1,000.00	$4,999.99	0.01	0.01
$5,000.00	$9,999.99	0.03	0.03
$10,000.00	None	0.05	0.05

IRA Open Deposit* **

Minimum	Maximum	Interest Rate	APY***
$0.00	$999.99	0.01	0.01
$1,000.00	$4,999.99	0.01	0.01
$5,000.00	$9,999.99	0.03	0.03
$10,000.00	None	0.05	0.05

Holiday Club* **

Interest Rate	APY***
0.01	0.01

Terms

June 01, 2023

* Rates subject to change without notice. Account fees may reduce earnings.
** Penalty for early withdrawals. IRA minimum 12-month term.
*** Annual Percentage Yield