Bank · FDIC insured
American Express
A $213.9B bank, the 22nd largest of 4,207, headquartered in Sandy, UT, with 1 branch in Utah. It opens accounts online nationwide. Best rates: savings 3.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.40%CD rates →
- Savings953.20%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About American Express
American Express was founded in 1850.
- Headquarters
- 115 W Towne Ridge Pkwy, Sandy, UT 84070
- FDIC certificate
- 27471 ↗
Branches
1 branch in Utah
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Utah
1 branch
- American Express National BankMain office115 W Towne Ridge Pkwy, Sandy, UT 84070Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.84% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.63% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 3.70% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $100 | $85 | — |
- CapitalLeverage ratio8.84%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.63%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets3.70%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$100Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of American Express are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.