Certificates of deposit & Individual Retirement Account (IRA) CDs

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On Friday, February 4, 2011, American Trust Bank, Roswell, GA was closed by the Georgia Department of Banking and Finance, and the Federal Deposit Insurance Corporation (FDIC) was named Receiver. No advance notice is given to the public when a financial institution is closed.

The FDIC has assembled useful information regarding your relationship with this institution. Besides a checking account, you may have Certificates of Deposit, a car loan, a business checking account, a commercial loan, a Social Security direct deposit, and other relationships with the institution. The FDIC has compiled the following information, which should answer many of your questions.

Read the detailed information here: www.fdic.gov/bank/individual/failed/americantrust.html

Flexibility, security, and locked-in competitive rates your ideal investment solution the American way

If you're looking for a secure place for your money, American Trust Bank Certificates of Deposit (CDs) allow you the freedom of choice to invest funds and build your nest egg for chosen periods of time at a fixed interest rate, while giving you the liberty of riding out any interest rate fluctuations that may occur. For those of you looking for a way to defer income tax expenses, an IRA CD may be just what you are looking for. An IRA CD provides a convenient way to set aside money for retirement. Our flexible term lengths (from three months to five years) allow you to customize the CD to your plan and needs to build your nest egg for the future. Often, the longer the term you choose, the higher your return for the real golden egg. American Trust offers you competitive, tiered rates, so the more money you put in, the more you'll get out of it, which is the beauty of the American way.

All customer account openings are based on meeting bank credit criteria. Fees may reduce earnings. Member FDIC.

Here are just a few of the options you have when you bank the American way with an American Trust CD:
  • A guaranteed, competitive fixed rate of interest and earnings
  • A choice of term lengths
  • Flexible interest payment methods
  • Security of FDIC insurance coverage for CDs $100,000 and under

CDs and You
CDs are useful when you are:

  • Looking for an investment vehicle with a guaranteed rate for a specific time
  • Shopping for an investment with an attractive rate and don't need immediate access to your money
  • Receiving a large sum of money that you would like to invest for a limited time, proceeds from a real estate sale, or a tax refund or inheritance, which you want to reinvest later

CD & IRA CD Terms

  • Minimum $1,000 to open an account
  • Interest compounding and posted daily
  • Subject to early withdrawal bank penalties on interest earned; IRA CDs subject to early withdrawal penalties as required by law
  • Automatic renewals

American Trust Bank proudly offers you the freedom of choice for CD options to feather your nest so that you can achieve the American dream.

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