American Express 1 Year CD Rate History (2010–2026)
RateBrain has recorded 27 rate changes for American Express's 1 Year CD since June 24, 2010. Its highest rate was 4.75% (Jul 2023) and its lowest 0.20% (Sep 2020). It pays 3.50% APY today, last changed on September 20, 2026. That is down 0.25 percentage points from a year ago.
Current American Express 1 Year CD rate »American Express rate history »1 Year CD rate history »
Rate history chart
Now 3.50% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.75% | 3.50% | 3.50% | 1 |
| 2025 | 3.75% | 3.75% | 3.75% | 0 |
| 2024 | 4.25% | 3.75% | 3.75% | 1 |
| 2023 | 4.75% | 4.00% | 4.25% | 7 |
| 2022 | 4.00% | 0.20% | 4.00% | 9 |
| 2021 | 0.20% | 0.20% | 0.20% | 0 |
| 2020 | 1.85% | 0.20% | 0.20% | 5 |
| 2019 | 0.55% | 0.55% | 0.55% | 0 |
| 2018 | 0.55% | 0.55% | 0.55% | 0 |
| 2017 | 0.55% | 0.55% | 0.55% | 0 |
| 2016 | 0.55% | 0.55% | 0.55% | 0 |
| 2015 | 0.55% | 0.55% | 0.55% | 0 |
| 2014 | 0.55% | 0.55% | 0.55% | 0 |
| 2013 | 0.55% | 0.55% | 0.55% | 0 |
| 2012 | 0.55% | 0.55% | 0.55% | 0 |
| 2011 | 0.90% | 0.55% | 0.55% | 1 |
| 2010 | 1.50% | 0.90% | 0.90% | 3 |
All 27 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 |
| 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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