American Express 2 Year CD Rate History (2009–2026)
RateBrain has recorded 59 rate changes for American Express's 2 Year CD since September 15, 2009. Its highest rate was 4.75% (Sep 2023) and its lowest 0.40% (Sep 2020). It pays 3.25% APY today, last changed on August 31, 2026. That is down 0.60 percentage points from a year ago.
Current American Express 2 Year CD rate »American Express rate history »2 Year CD rate history »
Rate history chart
Now 3.25% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.60% | 3.00% | 3.25% | 4 |
| 2025 | 4.00% | 3.50% | 3.60% | 5 |
| 2024 | 4.50% | 3.50% | 3.50% | 5 |
| 2023 | 4.75% | 4.00% | 4.50% | 5 |
| 2022 | 4.10% | 0.40% | 4.10% | 13 |
| 2021 | 0.40% | 0.40% | 0.40% | 0 |
| 2020 | 2.00% | 0.40% | 0.40% | 5 |
| 2019 | 2.80% | 2.00% | 2.00% | 6 |
| 2018 | 2.70% | 1.75% | 2.70% | 5 |
| 2017 | 1.75% | 1.00% | 1.75% | 1 |
| 2016 | 1.00% | 1.00% | 1.00% | 0 |
| 2015 | 1.00% | 0.70% | 1.00% | 1 |
| 2014 | 0.70% | 0.60% | 0.70% | 1 |
| 2013 | 0.80% | 0.60% | 0.60% | 1 |
| 2012 | 1.30% | 0.80% | 0.80% | 1 |
| 2011 | 1.30% | 1.25% | 1.30% | 1 |
| 2010 | 2.00% | 1.25% | 1.25% | 3 |
| 2009 | 2.35% | 2.00% | 2.00% | 2 |
All 59 rate changes
| Date | APY | Change |
|---|---|---|
| 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 |
| 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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