Online Banks | Monesty, a division of American Commerce Bank of Georgia
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Monesty, a division of American Commerce Bank of Georgia

For information concerning American Commerce Bank, National Association parent bank, please click here .

Phone: 833-715-2112

ACH Number: 061120453

Online Rates - December 21, 2025

Your current location is: New York City, NY

SAVINGS RATES APY MIN
Savings
4.33% $1,000 Compare
Savings
4.58% $1,001 Compare
CD RATES APY MIN
6 Mo CD
5.12% $500 Compare
12 Mo CD
5.22% $500 Compare
MONEY MARKET RATES APY MIN
Money Market
2.48% $25,000 Compare
INT CHECKING RATES APY MIN
INTCK
4.18% $100
INTCK
4.18% $1,000




Money that you deposit is held by American Commerce Bank, National Association. American Commerce Bank, National Association is an FDIC insured institution founded in 2004. It has approximately $0.50 billion in assets.

Overview 2025

General Information of the Parent Bank

FDIC Insured Yes
Insured Parent Bank American Commerce Bank, National Association
FDIC Certificate # 57686
Date Established 2004
Assets $0.50 billion
Loans $0.42 billion
Deposits $0.40 billion
Capital $0.08 billion


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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    ONLINE SAVINGS
    Monesty, a division of American Commerce Bank of Georgia
    Online Bank
    -
    $50,000
    N.A.
    4.33%
    19.16x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.33%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,165 1,516
    2 52,165 2,259 1,581
    3 54,424 2,357 1,650
    4 56,780 2,459 1,721
    5 59,239 2,565 1,796
    6 61,804 2,676 1,873
    7 64,480 2,792 1,954
    8 67,272 2,913 2,039
    9 70,185 3,039 2,127
    10 73,224 3,171 2,219
    11 76,394 3,308 2,316
    12 79,702 3,451 2,416
    13 83,153 3,601 2,520
    14 86,754 3,756 2,630
    15 90,510 3,919 2,743
    16 94,430 4,089 2,862
    17 98,518 4,266 2,986
    18 102,784 4,451 3,115
    19 107,235 4,643 3,250
    20 111,878 4,844 3,391
    TOTAL $66,722 $46,706
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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