Ready to make the switch?

Fill out the following information and one of our American Trust Bankers will contact you directly. Or, you can call any of our locations listed below.

Knoxville: (865) 588-1500
LaFollette: (423) 562-2800
Lenoir City: (865) 986-7880


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Personal & Home Loans

Select from the list below to learn more about our personal loans.  



What Our Customers Say

When Janice Pickens

learned that her husband James had Alzheimer's disease, she turned to American Trust Bank for help. 

"James had always done the major banking decisions... now I had to do it.  American Trust Bank took time to work with us.  They really care."

- Janice

Quick and Local Decision Making

allowed American Trust Bank to help Janice with a home improvement loan, and when it came time to refinance her home, American Trust Bank was there to help again. 

To hear the rest of Janice's story, click on the video link. 

To get started on your new loan, contact us today or visit any of our locations in KnoxvilleLaFollette or Lenoir City.


Home Loans

Take advantage now of historically low interest rates.  If you're looking to buy, refinance or thinking about investing in real estate, now is the time to act.  

With affordable terms, jumbo, FHA and VA loans available, we'll help you select the best type of mortgage for your needs.

Types of Home Loans Available

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Credit Cards

Credit CardAmerican Trust Bank offers two types of personal credit cards.  Both cards are accepted worldwide and have no annual fees.  

Preferred Points Card: Earn points each time you use your card.  Shop for the things you need and earn the things you want!  


  • Twenty-five (25) day grace period on all purchases.
  • Rental car collision damage waiver protection.
  • Points can be redeemed for cash back, travel, merchandise and retail gift cards
  • Online account access available at
  • To view or redeem rewards points, visit

Credit Card ShoppingRewards for everyday purchases

  • You are already enrolled
  • You will earn 1 point for every $1 spend on your Preferred Points credit card

Earn bonus points! 

  1. Shop our Perks Points Mall.  Shop our online network of top national and regional merchants.  You can browse through hundreds of popular online merchants.  You will earn an additional 5 bonus points for every $1 spent, for all transactions using your rewards card.
  2. Shop our More Points online store.  Browse through thousands of brand name merchandise items and choose from top gift card retailers.  You will earn 3 additional points for every dollar spend when you use your rewards card.  

     Log into and click on "Perks" to get stated today.  


Standard Card: This card comes with a low introductory rate

  • Twenty-five (25) day grace period on all purchases.
  • Rental car collision damage waiver protection.
  • Online account access available at

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Auto Loans

Car LoanBuying a car or truck doesn't have to be a hassle.  American Trust Bank makes your puchase simple by providing easy financing options, whether you are buying new or used, from a dealer or a private seller.  

  • Low, competitive rates saving you money over the life of your loan
  • Quick approval on your loan within hours after you apply
  • Auto draft out of your American Trust checking account


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CD and Savings-Secured Loans

Personal LoanAmerican Trust Bank's certificate of deposit (CD) and savings account-secured loans are cost-effective way to obtain the cash you need to take care of your financial needs. 

  • Competitive rate
  • Fixed monthly payment amount based on the interest rate and the term of the loan
  • Auto draft out of your American Trust checking account


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Contact us today or visit any of our locations in Knoxville, LaFollette or Lenoir City to get started with your new loan.



The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) established a national registry for mortgage loan originators called the Nationwide Mortgage Licensing System and Registry (NMLS). Maintained by the federal government, the NMLS assigns each registered professional a unique identification number that is provided to consumers upon request and on certain loan documentation. In addition, each financial institution is provided with a NMLS unique identification number. American Trust Bank’s NMLS ID number is 507265.  

This registration information is viewable through the NMLS consumer access portal. To perform a search for an individual Mortgage Loan Originator (MLO), click on the link above and then type the MLO’s NMLS ID in the search field. If you do not know the NMLS ID you can also search by name, city, state, and/or zip code.

If you have general questions about NMLS Consumer Access, please contact the NMLS Call Center at (240) 386-4444.

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*The advertised annual percentage rate (APR) is based on a mort­gage under $417,000 with a FICO® credit score of 700 or more; your APR will be higher if your FICO credit score is less than 700.  The advertised APR also assumes your monthly payment will be made by electronic transfer from an account at American Trust Bank; the rate will be higher if payment is not made by electronic transfer.  The rate is a variable rate and may increase after closing.  The rate will not change in the first five years, but may change at the end of five years and annually thereafter.  The advertised APR of 3.81% is based on an interest rate of 3.70% for a $300,000 loan of 25 years with a monthly principle and interest payment of $1,534 and a down payment of 20%.  Amounts to pay your annual taxes and insurance on the property will be added to the monthly payment (escrow).  The advertised APR includes an estimated $3,465 in finance charges; other closing costs will be charged and can include recording fees, title search, appraisal, credit report, flood hazard determination, and establishing an escrow account.  There is a lifetime ceiling on all interest rate adjustments of 6% and a lifetime floor of 3.70%.  The interest rate will not change more than 2% from the previous interest rate at each adjustment.  There is no prepayment penalty.  Loans are subject to credit and collateral approval.  The advertised rate is subject to change weekly without notice.  Member FDIC.

FICO is a registered trademark of Fair Isaac Corporation.