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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


American Trust Bank offers financing for all of your personal needs.  Local bankers who know you and know your community can help you choose what’s right for you.  To get started on your new loan, contact us today or visit any of our locations in Knoxville, LaFollette or Lenoir City.

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

 

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 www.cardaccount.net.
  • To view or redeem rewards points, visit www.mypreferredpoints.com.

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 www.mypreferredpoints.com 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 www.cardaccount.net.

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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.

  

SAFE Act

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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