American Express CD Rate - 1 Year
American Express's 1 Year CD pays 3.75% APY as of November 6, 2026, checked 17 hours ago. Since RateBrain began tracking it in 2010, this 1 Year CD has paid as much as 4.75% (Jul 2023) and as little as 0.20% (Sep 2020). It is currently below the median 1 Year CD rate we track (4.00% across 145 banks).
3.75% APY
up from 3.65% on Oct 30
- Last checked
- Nov 6 · 17 hours ago
- Minimum deposit
- None
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See the full American Express 1 Year CD rate history »
American Express CD Rate - 1 Year CD - Rate History
Now 3.75% APY
- All-time high 4.75% (Jul 2023)
- Low 0.20% (Sep 2020)
- 1-year change 0.00
- 29 changes
- Tracked since Jun 2010
- Full rate history »
The gray line is the median 1 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 30, 2026 | 3.75% | +0.10 |
| October 4, 2026 | 3.65% | +0.15 |
| September 20, 2026 | 3.50% | −0.25 |
| March 13, 2024 | 3.75% | −0.50 |
| September 13, 2023 | 4.25% | −0.50 |
| July 12, 2023 | 4.75% | +0.10 |
| June 7, 2023 | 4.65% | +0.40 |
| May 10, 2023 | 4.25% | −0.25 |
| February 9, 2023 | 4.50% | +0.25 |
| January 25, 2023 | 4.25% | +0.10 |
| January 12, 2023 | 4.15% | +0.15 |
| November 18, 2022 | 4.00% | +0.15 |
| November 9, 2022 | 3.85% | +0.60 |
| October 28, 2022 | 3.25% | +0.25 |
| October 10, 2022 | 3.00% | +0.15 |
| September 29, 2022 | 2.85% | +0.35 |
| September 4, 2022 | 2.50% | +0.25 |
| August 7, 2022 | 2.25% | +0.50 |
| July 4, 2022 | 1.75% | +0.25 |
| June 13, 2022 | 1.50% | +1.30 |
Show all 29 changes
| Date | APY | Change |
|---|---|---|
| September 3, 2020 | 0.20% | −0.15 |
| July 10, 2020 | 0.35% | −0.05 |
| May 20, 2020 | 0.40% | −0.20 |
| April 15, 2020 | 0.60% | −1.25 |
| March 22, 2020 | 1.85% | +1.30 |
| October 12, 2011 | 0.55% | −0.35 |
| December 17, 2010 | 0.90% | −0.40 |
| July 15, 2010 | 1.30% | −0.20 |
| June 24, 2010 | 1.50% | first tracked |
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ShareOther American Express rates
- 10 Month CD4.50%
- 11 Month CD3.75%
- 14 Month CD3.75%
- 18 Month CD3.75%
- 22 Month CD4.50%
- 2 Year CD3.75%
- 3 Year CD2.25%
- 4 Year CD2.25%
- 5 Year CD3.00%
- Savings3.20%
- Checking Account1.00%
Other 1 Year CD rates
- USALLIANCE Financial5.00%
- State Bank of India4.89%
- EagleBank4.80%
- BTG Pactual US4.65%
- CFG Bank4.65%
- Merrick Bank4.65%
Common questions
What is the American Express 1 Year CD rate today?
The American Express 1 Year CD pays 3.75% APY as of November 6, 2026, checked 17 hours ago.
How does the American Express 1 Year CD compare with other 1 Year CDs?
It pays 3.75% APY. The median across the 145 1 Year CD rates RateBrain tracks is 4.00%, so it is 0.25 percentage points below the median.
What has the American Express 1 Year CD paid over time?
Since RateBrain began tracking it in 2010, it has paid as much as 4.75% (Jul 2023) and as little as 0.20% (Sep 2020).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.