Bank · FDIC insured
American Express CD Rates
A $213.9B bank, the 22nd largest of 4,207, headquartered in Sandy, UT, with 1 branch in Utah. It opens accounts online nationwide.
How American Express’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
American Express
4.40%APY
- Term
- —
- Requires
- None
- Minimum
- $0
- Earns on $10,000
- —
Certificates of Deposit (CDs)
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
4.40%APY
No minimum balance required to open account, to avoid being charged a fee, or to obtain the APY. Fixed rate once funded (rate is higher of application submission rate or rate when funded). Must be funded within 60 calendar days of approval. Additional deposits not permitted after opening. Early withdrawal penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUp to 4.40% APY. Terms up to five years. Fixed rate once funded (higher of rate at application submission or rate offered when funded). Must be funded within 60 calendar days from application approval. Additional deposits not permitted after opening. Early CD withdrawals may be subject to significant penalties.Any balance | 4.40% | $440 | Up to 4.40% APY. Terms up to five years. Fixed rate once funded (higher of rate at application submission or rate offered when funded). Must be funded within 60 calendar days from application approval. Additional deposits not permitted after opening. Early CD withdrawals may be subject to significant penalties. |
Sources (1)
- americanexpress.com/en-us/banking/online-savings/account · captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.