American Express CD Rate - 2 Year
American Express's 2 Year CD pays 3.75% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2009, this 2 Year CD has paid as much as 4.75% (Sep 2023) and as little as 0.40% (Sep 2020). It is currently above the median 2 Year CD rate we track (3.66% across 127 banks).
3.75% APY
up from 3.65% on Oct 30
- Last checked
- Nov 9 · 18 hours ago
- Minimum deposit
- None
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See the full American Express 2 Year CD rate history »
American Express CD Rate - 2 Year CD - Rate History
Now 3.75% APY
- All-time high 4.75% (Sep 2023)
- Low 0.40% (Sep 2020)
- 1-year change +0.15
- 61 changes
- Tracked since Sep 2009
- Full rate history »
The gray line is the median 2 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% | +0.40 |
| August 31, 2026 | 3.25% | +0.25 |
| May 28, 2026 | 3.00% | −0.25 |
| April 24, 2026 | 3.25% | +0.25 |
| January 28, 2026 | 3.00% | −0.60 |
| October 22, 2025 | 3.60% | −0.25 |
| June 27, 2025 | 3.85% | +0.10 |
| June 21, 2025 | 3.75% | −0.10 |
| April 26, 2025 | 3.85% | −0.15 |
| February 25, 2025 | 4.00% | +0.50 |
| November 30, 2024 | 3.50% | −0.25 |
| November 28, 2024 | 3.75% | +0.25 |
| October 4, 2024 | 3.50% | −0.25 |
| September 6, 2024 | 3.75% | −0.25 |
| January 22, 2024 | 4.00% | −0.50 |
| December 19, 2023 | 4.50% | −0.25 |
| September 23, 2023 | 4.75% | +0.50 |
| June 7, 2023 | 4.25% | +0.25 |
| May 8, 2023 | 4.00% | −0.25 |
Show all 61 changes
| Date | APY | Change |
|---|---|---|
| January 12, 2023 | 4.25% | +0.15 |
| November 17, 2022 | 4.10% | +0.10 |
| November 9, 2022 | 4.00% | +0.60 |
| October 28, 2022 | 3.40% | +0.35 |
| October 10, 2022 | 3.05% | +0.05 |
| September 29, 2022 | 3.00% | +0.25 |
| September 12, 2022 | 2.75% | +0.25 |
| August 11, 2022 | 2.50% | +0.25 |
| July 4, 2022 | 2.25% | +0.25 |
| May 26, 2022 | 2.00% | +0.30 |
| May 16, 2022 | 1.70% | +0.10 |
| May 9, 2022 | 1.60% | +0.60 |
| April 21, 2022 | 1.00% | +0.20 |
| April 5, 2022 | 0.80% | +0.40 |
| September 4, 2020 | 0.40% | −0.15 |
| July 17, 2020 | 0.55% | −0.15 |
| May 18, 2020 | 0.70% | −0.80 |
| April 15, 2020 | 1.50% | −0.40 |
| March 20, 2020 | 1.90% | −0.10 |
| September 13, 2019 | 2.00% | −0.15 |
| August 27, 2019 | 2.15% | −0.15 |
| August 14, 2019 | 2.30% | −0.20 |
| July 9, 2019 | 2.50% | −0.15 |
| May 14, 2019 | 2.65% | −0.15 |
| March 15, 2019 | 2.80% | +0.10 |
| November 19, 2018 | 2.70% | +0.10 |
| September 24, 2018 | 2.60% | +0.10 |
| July 20, 2018 | 2.50% | +0.05 |
| July 9, 2018 | 2.45% | +0.15 |
| May 31, 2018 | 2.30% | +0.55 |
| December 28, 2017 | 1.75% | +0.75 |
| July 21, 2015 | 1.00% | +0.30 |
| February 10, 2014 | 0.70% | +0.10 |
| May 21, 2013 | 0.60% | −0.20 |
| February 10, 2012 | 0.80% | −0.50 |
| October 12, 2011 | 1.30% | +0.05 |
| December 17, 2010 | 1.25% | −0.30 |
| October 1, 2010 | 1.55% | −0.20 |
| July 15, 2010 | 1.75% | −0.25 |
| December 17, 2009 | 2.00% | −0.35 |
| September 15, 2009 | 2.35% | first tracked |
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ShareOther American Express rates
- 10 Month CD4.50%
- 11 Month CD3.75%
- 1 Year CD3.75%
- 14 Month CD3.75%
- 18 Month CD3.75%
- 22 Month CD4.50%
- 3 Year CD2.25%
- 4 Year CD2.25%
- 5 Year CD3.00%
- Savings3.20%
- Checking Account1.00%
Other 2 Year CD rates
- State Bank of India5.04%
- Merrick Bank4.85%
- CFG Bank4.82%
- BTG Pactual US4.80%
- E*TRADE Bank4.80%
- Popular Direct4.80%
Common questions
What is the American Express 2 Year CD rate today?
The American Express 2 Year CD pays 3.75% APY as of November 9, 2026, checked 18 hours ago.
How does the American Express 2 Year CD compare with other 2 Year CDs?
It pays 3.75% APY. The median across the 127 2 Year CD rates RateBrain tracks is 3.66%, so it is 0.09 percentage points above the median.
What has the American Express 2 Year CD paid over time?
Since RateBrain began tracking it in 2009, it has paid as much as 4.75% (Sep 2023) and as little as 0.40% (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.