American Express CD Rate - 1 Year
American Express's 1 Year CD pays 3.50% APY as of September 22, 2026, checked 7 minutes ago. The rate was lowered from 3.75% on September 20, 2026. 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 63 banks).
3.50% APY
down from 3.75% on Sep 20
- Last checked
- Sep 22 · 7 minutes ago
- Minimum deposit
- None
Rate history
Now 3.50% APY
- All-time high 4.75% (Jul 2023)
- Low 0.20% (Sep 2020)
- 1-year change −0.25
- 27 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 |
|---|---|---|
| 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 |
| September 3, 2020 | 0.20% | −0.15 |
| July 10, 2020 | 0.35% | −0.05 |
Show all 27 changes
| Date | APY | Change |
|---|---|---|
| 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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Copy linkOther American Express rates
- 10 Month CD4.25%
- 11 Month CD3.50%
- 14 Month CD3.50%
- 18 Month CD3.25%
- 22 Month CD4.00%
- 2 Year CD3.25%
- 3 Year CD2.25%
- 4 Year CD2.25%
- 5 Year CD3.00%
- Savings3.00%
- Checking Account1.00%
Other 1 Year CD rates
- iGoBanking.com5.25%
- Goldwater Bank5.10%
- Gulf Coast Bank4.80%
- PenFed Credit Union4.80%
- Vio Bank4.70%
- Ameriprise Bank4.60%
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.