Bank · FDIC insured
American Express Savings Rates
American Express’s best savings rate is 3.20% APY on $10,000, with its High Yield Savings. Rates checked October 22, 2026.
How American Express’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
American Express
3.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $320
High Yield Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
American Express savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0003.20%
- $10,000 balance$10,0003.20%
- $100,000 balance$100,0003.20%
- QualifiedQualified3.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where American Express ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Savings
3.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.20% | $320 |
Sources (1)
- americanexpress.com/en-us/banking/online-savings/account · captured Oct 15, 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.