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Accounts offered by American Express Bank, FSB. Your deposits are insured to at least $250,000.

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Certificate of Deposit

My reason for saving: To help my dreams take root

36-Month CD

% APY*

Grow your funds by locking in a rate for the term you choose.

24/7 Account Access

A certificate of deposit account that values your time as much as you do

Our Certificates of Deposit (CDs) let you open and manage your account at your convenience without ever visiting a branch. After just a few simple steps, you can initially fund your CD through an external account or a personal check and manage your account online.

Learn more about deposits and withdrawals

FDIC Insurance

Enjoy peace of mind knowing your deposits are covered

Our FDIC-insured CD provides you with the reliability your finances deserve. Each depositor is insured by the Federal Deposit Insurance Corporation to at least $250,000, so you can save with confidence.

Learn more about FDIC insurance from FDIC.gov

No Fees, No Minimums

Earning your money takes work. Helping it grow doesn't have to

With no minimum opening deposit, you can start with as little as a dollar. There are no fees to open or maintain a CD from American Express Personal Savings. Penalties may apply to withdrawals of CD principal prior to maturity.

Learn more about the application process

Rate Information

Term APY*
6 Months %
12 Months %
18 Months %
24 Months %
36 Months %
48 Months %
60 Months %

Learn more about interest and
CD maturity

Savings Calculator

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