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.

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.

July 9, 2024 - 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.

4 weeks 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.

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.

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.

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.

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.

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.

17 hours 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, ...

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.

October 30, 2025 - American Express’s certificates of deposit work similarly to multi-year guaranteed annuities. Compare below to get the highest interest rate. These are our preferred accounts because the savings, money market, and CDs only require $1 to open. This allows you to spread out risk in case a bank or credit union closes in the future.

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 ...

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 ...

American Express Savings does not allow partial withdrawals from their CD accounts. ... Want more CD rates options?WalletHub makes it easy to compare CD rates across many companies.

November 1, 2025 - Current American Express CD Rates: ... for all the rates and terms. CD TermAnnual Percentage Yield (APY)Minimum Deposit 11 months$012 months$014 months$018 ......

April 25, 2023 - American Express CD rates can be much higher than average with certain terms, and there’s no minimum balance to open a new CD.

March 9, 2023 - Other banks offer higher CD interest rates, but AmEx CDs still make Bankrate’s list of the best CDs for forgoing a minimum deposit and offering 24/7 customer service. Bankrate gives American Express National Bank 4.5 out of 5 stars in its overall bank rating, and a score of 4.3 for its CDs.