The interest rate and APY for your CD will be fixed and will either be (i) the rate reflected at application submission or (ii) the rate being offered when your CD is funded, whichever is higher.

1 month ago - American Express offers solid rates, but higher yields exist. If you're chasing the absolute highest APY, banks like Marcus by Goldman Sachs and Synchrony Bank edge ahead on specific terms. Where American Express wins: The zero-minimum requirement. Marcus requires $500, and many high-yield CDs demand $1,000+. If you're opening multiple CDs to build a ladder or testing terms with smaller amounts, American Express' accessibility matters.

October 17, 2025 - Sabrina Karl has over two decades of experience writing about savings, CDs, and other banking topics. She is currently a full-time staff writer at Investopedia and one of the country's top experts on how to earn as much as possible on the money you hold in the bank. Before joining Investopedia, Sabrina wrote for Bankrate.com, CreditCards.com, DepositAccounts.com, and RateSeeker. ... American Express CDs deliver solid yields, but smaller banks and credit unions pay considerably more.

2 days ago - These financial institutions were included in our research for the best CD rates: ableBanking, Affinity Federal Credit Union, Alliant Credit Union, Ally Bank, Amerant, America First Credit Union, American Express, Apple Federal Credit Union, Armed Forces Bank, Axos Bank, Banesco, Bank of America, ...

1 month ago - Rates are current as of Dec. 12, 2025 and are subject to change. American Express keeps things simple with its CDs as there are no specialty options such as flex, bump-up, or IRA CDs to choose from.

Savers are checking out online ... higher rates, are considering CD ladders, avoiding unwanted fees and restrictions, and asking good questions about the security of potential high-yield savings account and CD providers. ... This article has been prepared by a third party and is made available to you for information purposes only. This third-party article does not represent the opinions, views, or analysis of American Express, and American ...

3 days ago - See your rates by entering your ZIP code below. ... CD interest rates vary by term and location.

Find the Certificate of Deposit (CD) rate that fits your business goal. Calculate how much interest you can earn and view benefits for a (CD) account online.

May 22, 2025 - While its CD rates are more competitive than most brick-and-mortar banks, other online banks and credit unions pay even higher CD rates for the same terms. That said, you might like a CD from American Express National Bank (Member FDIC) if you want to open an account with a low initial deposit.

2 weeks ago - American Express National Bank offers certificates of deposit (CDs) with rates ranging from 3.25% to 4.00% annual percentage yield (APY). Available terms start at 11 months and reach 60 months.

How does the interest on a Certificate of Deposit (CD) compound, and can I choose to pay out the interest on a Certificate of Deposit (CD)? ... Express National Bank. Member FDIC. Each depositor is insured to at least $250,000 per depositor, per insured bank, per ownership category. ... * The Annual Percentage Yield (APY) as advertised is accurate as of . Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened.

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August 1, 2024 - American Express offers six CD terms with annual percentage yields, or APYs, that vary from as low as 1% to as high as 4.50%. Its 12-month CD rate, for example, is slightly higher than some other banks and credit unions.

Plus, they can provide the opportunity to lock in a higher interest rate if you expect market rates will decline in the near future. However, CDs aren’t appropriate for everyone. Like all things finance, it’s a good idea to consider your financial situation and savings needs before opening a CD account. ... This article has been prepared by a third party and is made available to you for information purposes only. This third-party article does not represent the opinions, views, or analysis of American Express, and American Express does not make any representations as to its accuracy or completeness.

16 hours ago - Online banks or credit unions tend to offer high CD rates because of the lower overhead costs. If you're worried about opening an online bank account, just do your research to ensure the institution comes with FDIC or NCUA insurance. It may also be an online arm of a larger, brick-and-mortar institution, which could give you peace of mind. Big banks like Citibank, U.S. Bank, Bank of America, Chase, Capital One, Wells Fargo, American Express, and more offer CDs too, but they may not pay the highest CD rates.

July 30, 2025 - American Express offers a variety of CD terms, ranging from 11 months to five years with competitive rates of up to 4.50% APY that stack up well against some of our top picks. However, the higher rates are available on shorter terms, so if you're ...

1 week ago - You can currently open a five-year CD with a fixed annual percentage yield (APY) of 3.50%, effective as of November 10, 2025, with an initial deposit of your choice. That rate climbs well above those offered by several major banks.

Competitive rates and an array of term options on CDs.

3 weeks ago - While American Express credit cards are accepted at 99% of U.S. merchants that accept credit cards (Costco being a notable exception), they are much less accepted in Europe and Asia.