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You have direct access to your bank accounts 24 hours a day, 7 days a week with Online Banking. This service is "FREE" with your American Sterling Bank account.

  
    Certificate of Deposit Accounts

    Individual Retirement Accounts

    Money Market Checking Accounts


 

A traditional savings plan that provides easy access to your funds.  Earn interest and watch your balance grow.  Interest is compounded and credited quarterly.

Minimum Balance Requirements – You must deposit $100.00 to open this account.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Current interest rates and annual percentage yields are available at any American Sterling Banking Center. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Rates currently in effect.
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Other Bank Services are available to you on a fee basis.

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Please check out the individual account types that interest you, and learn more about our Sterling Solutions Individual Retirement Accounts.  More than ever before, one of the biggest challenges you face is financial security in your retirement years.  Let one of our American Sterling Bank IRA accounts help you find peace of mind.

Roth IRA

The Roth IRA gives you the ability to invest your after-tax dollars today, let the investment grow tax-deferred, and take qualifying withdrawals tax-free. 

Coverdell Education Savings Accounts

Will the money be there for your child’s education?  An Education Savings Plan (ESA) is an investment tool created for the purpose of paying for a child’s education.

All of our certificate of deposit options may be used in connection with Traditional and Roth IRA plans and Education Savings Accounts.  Please contact us for additional information.

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Money Market Checking and Sterling Money Market Elite Checking

Earn higher interest with higher balances and easy access to your money.  Our money market accounts provide you the convenience of checking but at higher rates than traditional savings.  We offer two value accounts based on the opening balance!  You choose which suits your needs best!   Online banking is featured on all accounts and teamed with an American Sterling Bank Visa Check Card and CLARA (our telephone banking module); you’ll have 24-hour access to your money.  You can use the Check Card as an ATM (PIN-based) debit card or Check Card.