Thank you for visiting American River Bank. Please note this site is not fully compatible with screen readers.  We are available from 9am-5pm to assist via telephone at (800) 544-0545 or via email at We look forward to serving you.
What Makes Us Different?
Focus on community service is just one of the ways American River Bank is different. For example, each of our employees is provided with 40 hours of paid volunteer time. 

Individual Retirement Accounts (IRAs)

Take full advantage of annual deferral amounts for retirement savings with an Individual Retirement Account or IRA.  

Account Benefits
  • Tax deferred, long-term investment
  • Select from Traditional, ROTH and Education investment opportunities
  • Tiered rates fixed on length of term
  • One year to five year terms
  • $2,500 minimum
  • Manage account 24/7 through online banking and Access 24 telephone banking
  • Mobile Banking available on the American River Bank Mobile App

  • $25.00 annual fee
  • Penalty for early withdrawal if age not 59 ½ or older

Calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator or contact your local branch office today. For more information, visit .
  1. See our Deposit Account Agreement or Other Service Fees brochure for further information.
  2. Consult a Representative for current interest rates and Annual Percentage Yield information.
  3. $5 fee for each excessive transfer for savings accounts and $10 fee for each excessive transfer for money market accounts. Account is subject to closure upon 3rd instance of excessive transactions in a 12-month rolling period.
  4. There is a $5.00 fee for each transfer.
  5. Savings and money market accounts not tied to a checking account are eligible for an ATM card only. Savings and money market accounts that are tied to a checking account will have access to a debit card.