Platinum Savings

It’s always a good time to save. But when it’s time to get more from your savings account, our Platinum Savings will get you there!

With a higher minimum to open — $5,000 — a Platinum Savings account gets you more interest than a basic savings account. Plus, enjoy free account management tools such as online banking and mobile banking.

Features:

• Set aside for something specific or simply a rainy day
• Competitive tiered interest, rewarding larger balances with higher rates
• Avoid the $1 quarterly maintenance charge by maintaining a $25 minimum average daily balance
• Limit of 6 transfers each calendar month.
• $5000 minimum deposit to open
• Includes many of the benefits of a checking account
  • Free online banking
  • Free mobile banking
  • Free e-Statements
  • Free Visa® debit card*
  • Nationwide surcharge-free ATM usage via the MoneyPass® ATM Network
  • Optional no annual fee credit card*

*Subject to approval

Regular Savings

Our Regular Savings account is the first step to building your financial future. It’s easy to get started — all you need is $25 to open.

Enjoy the convenience of free online banking and mobile banking, so you can quickly access your funds when you need them. And best of all, you will have the security of knowing that you can deal with anything life throws at you.

Features:

• Set aside for something specific or simply a rainy day
• Competitive interest on entire balance
• Avoid the $1 quarterly maintenance charge by maintaining a $25 minimum average daily balance
• Limit of 6 transfers each calendar month.
• $25 minimum deposit to open
• Includes many of the benefits of a checking account
  • Free online banking
  • Free mobile banking
  • Free e-Statements
  • Free Visa® debit card**
  • Nationwide surcharge-free ATM usage via the MoneyPass® ATM Network
  • Optional no annual fee credit card*

**Subject to approval

Agricultural & Agri-Business Loans

ONE AMERICAN BANK has been proudly affiliated with agriculture and agri-business for generations. We are dedicated to supporting and financing the farming industry in south eastern South Dakota.

Our bankers are experienced with Farmer Mac and USDA Guarantee loans. Whether you need new equipment, livestock or farming vehicles, we provide competitive rates. Come see us about how we can address your special needs.

Features:

• Competitive rates
• Flexible terms and monthly payments that fit your agribusiness’s budget
• Affordable payment plans
• Local processing and decision-making
• Covers a range of needs, including:
  • Farm equipment and vehicles
  • Livestock
  • Real estate: purchase, improvements, refinancing
  • Facility needs
  • Operating expenses
  • And more
• USDA Guaranteed Loans and Farmer Mac Loans available
• Experienced lenders with working knowledge of local agricultural standards
• Local decision-making and processing
• Detailed, attentive service from start to finish

Commercial Loans

At ONE AMERICAN BANK, we strive to be more than just your lender — we want to be your trusted partner. We are here to help you take on needs, from operational expenses, to equipment financing, and nearly anything in between.

Take advantage of our competitively low rates and personalized repayment terms. We promise to get to know your business like an experienced partner. And quickly, you’ll get to know a thing or two about us too, such as the hands-on guidance you will receive every step of the way.

Features:

• Competitive rates for a wide range of business needs:
  • Working capital
  • Equipment
  • Debt restructuring
  • Construction
  • Facility improvements
  • And more
• Flexible terms and monthly payments that fit your business’s budget
• Local decision-making and processing
• Detailed, attentive service from start to finish

Commercial Real Estate Loans

It’s exciting to see our community grow — and oftentimes it’s a result of booming small businesses. If you are outgrowing your current facilities, then it might be time to consider a commercial real estate loan from ONE AMERICAN BANK.

No matter the size of your budget, we will work with you to provide reasonable financing options. We know the local market and local real estate standards, so you can count on our knowledgeable loan advisors. Come see us today and watch your business grow.

Features:

• Competitive rates for purchase, refinance, or construction of commercial real estate property
• Available for owner-occupied and investment properties
• Flexible terms and monthly payments that fit your business’s budget
• Refinance your current property to potentially lower your rate
• Free prequalification available for extra confidence when making a deal
• Experienced real estate lenders with working knowledge of the local real estate market
• Local decision-making and processing
• Detailed, attentive service from start to finish

Small Business Loans (SBA)

We believe that our community is only as strong as our locally owned businesses. The U.S. Small Business Administration (SBA) agrees. Every year, the SBA helps millions of potential and existing small business owners start, grow, and succeed.

As a fellow growing business, ONE AMERICAN BANK understands the small business landscape. We work closely with the SBA to secure affordable financing for our community businesses that otherwise might have a hard time. Qualifying businesses benefit from special financing that includes generally lower down payments and extended terms. Come see one of our experts today.

Features:

• Available to start-up businesses, as well as purchasing and refinancing existing businesses
• Government-assisted help for businesses that might otherwise have difficulty getting approved
• Special financing for qualifying businesses
• Competitive rates for a wide range of business needs:
  • Commercial real estate purchase
  • Construction
  • Business acquisition or expansion
  • Equipment/inventory purchase
  • Working capital
  • And more
• A wide range of lending options available
• Generally lower down payments and extended terms
• Additional considerations taken when deciding maturity*
• Local decision-making and processing
• Detailed, attentive service from start to finish

*Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.