Bank · FDIC insured
Ameriprise Bank, FSB CD Rates
Ameriprise Bank, FSB’s best CD rate is 4.35% APY on a 7-month CD. Terms run from 3 months to 3 years. Rates checked October 17, 2026.
How Ameriprise Bank, FSB’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Ameriprise Bank, FSB has the most branches. $10,000, best rate first.
This bank’s best
Ameriprise Bank, FSB
4.25%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $246
Ameriprise Flexible Savings Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Ameriprise Bank, FSB CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
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 Ameriprise Bank, FSB ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Ameriprise Flexible Savings Certificate
Up to 4.25%APY · 10 terms
Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. No account fees to open or maintain. Rate is the higher of the rate in effect when application is accepted and funds received, or 7 business days prior. Up to 25% of initial investment may be added during term. Withdraw credited interest and up to 10% principal during term without penalty; 2% surrender charge applies on withdrawals above that amount. Pre-approval required for amounts of $2,000,000 or greater.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY · $1,000,000 – $5,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 3 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $74 |
| 6 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 6 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $149 |
| 7 months$100,000 and above balance tier. Standard new purchase rate | — | 3.37% | — | —3.37% from $100k | — |
| 7 monthsPromotional rate for new accounts funded from eligible sources (new money from external source or proceeds from sale of positional money market mutual fund). $10,000 minimum investment. Automatically renews to a 6-month certificate at maturity. Available March 18 through Sept. 29, 2026 | 4.25% | 4.35% | — | 4.25%4.35% from $100k | $246 |
| 7 monthsUnder $100,000 balance tier. Standard new purchase rate | 3.26% | — | — | 3.26% | $189 |
| 9 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 9 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $224 |
| 12 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 12 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $300 |
| 13 months$1,000,000 to $5,000,000 balance tier. Pre-approval required for amounts of $2,000,000 or greater | — | — | 3.10% | —3.10% $1,000k–$5,000k | — |
| 18 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 18 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $453 |
| 24 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 24 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $609 |
| 30 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 30 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $767 |
| 36 months$100,000 and above balance tier. Applies to new purchases and renewals | — | 3.10% | — | —3.10% from $100k | — |
| 36 monthsUnder $100,000 balance tier. Applies to new purchases and renewals | 3.00% | — | — | 3.00% | $927 |
Sources (2)
- ameriprise.com/products/investments/certificates
- ameriprise.com/products/invest…icates/certificate-rates
All captured Sep 18, 2026
Ameriprise Bank Certificate of Deposit
Up to 3.75%APY · 4 terms
FDIC insured up to applicable limits. Automatically renews at maturity for the same term length at the current rate in effect unless action is taken during the 10-day grace period. Early withdrawal penalty applies: 10 days of interest if withdrawn within the first 10 days of opening; 3 months of interest if withdrawn after 10 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRelationship rate. Requires $50,000 or more in eligible household group balances as of the prior month-end statement and a minimum deposit of $1,000 | 2.75% | $68 |
| 3 monthsStandard rate. Minimum opening deposit of $1,000 required | 0.50% | $12 |
| 6 monthsRelationship rate. Requires $50,000 or more in eligible household group balances as of the prior month-end statement and a minimum deposit of $1,000 | 2.85% | $141 |
| 6 monthsStandard rate. Minimum opening deposit of $1,000 required | 0.50% | $25 |
| 7 monthsRelationship rate. Applicable to initial term only; automatically renews to a 6-month term at maturity. Only accepts new money from external sources outside of Ameriprise Bank, FSB and its affiliates. Requires $50,000 or more in eligible household group balances as of the prior month-end statement and a minimum deposit of $1,000. Promotional rate boost offer available through December 31, 2026 | 3.75% | $217 |
| 7 monthsStandard rate. Applicable to initial term only; automatically renews to a 6-month term at maturity. Only accepts new money from external sources outside of Ameriprise Bank, FSB and its affiliates. Minimum opening deposit of $1,000 required | 0.50% | $29 |
| 12 monthsRelationship rate. Requires $50,000 or more in eligible household group balances as of the prior month-end statement and a minimum deposit of $1,000 | 2.75% | $275 |
| 12 monthsStandard rate. Minimum opening deposit of $1,000 required | 0.50% | $50 |
Sources (2)
All captured Oct 17, 2026
Ameriprise Installment Certificate
3.00%APY · 1 term
Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Fixed rate of interest declared every 3 months. Low investment minimum of $50 per month. 2% surrender charge applies for withdrawals of principal within the first 3 years of initial purchase.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3-month term. Fixed rate declared every 3 months. Minimum monthly contribution of $50 | 3.00% | $74 |
Sources (1)
- ameriprise.com/products/invest…icates/certificate-rates · captured Oct 17, 2026
Ameriprise Cash Reserve Certificate
2.00%APY · 1 term
Issued by Ameriprise Certificate Company (ACC). Not FDIC insured. Guaranteed rates for 3 months at a time. Low investment minimum of $1,000 lump sum or $50 per month. No withdrawal penalties. Pre-approval required for amounts of $2,000,000 or greater.
| Term | APY · Up to $10,000 | APY · $10,000 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months$25,000 and above balance tier. Rate declared every 3 months | — | — | 2.00% | —2.00% from $25k | — |
| 3 monthsBetween $10,000 and $24,999 balance tier. Rate declared every 3 months | — | 2.00% | — | 2.00% | $50 |
| 3 monthsUnder $10,000 balance tier. Rate declared every 3 months | 2.00% | — | — | 2.00% | $50 |
Sources (1)
- ameriprise.com/products/invest…icates/certificate-rates · captured Oct 17, 2026
Closed to new customers
Ameriprise Step-Up Rate Certificate
Up to 2.50%APY · 3 terms
Issued by Ameriprise Certificate Company (ACC). Closed to new sales on 4/1/2020. Rates apply to renewals and step-up rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months2 Year term renewal | 2.50% | $506 |
| 36 months3 Year term renewal | 2.40% | $737 |
| 48 months4 Year term renewal | 2.40% | $995 |
Sources (1)
- ameriprise.com/products/invest…icates/certificate-rates · captured Oct 17, 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.