American Express CD Rate - 3 Year
American Express's 3 Year CD pays 2.25% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2010, this 3 Year CD has paid as much as 3.00% (Apr 2024) and as little as 0.45% (Sep 2020). It is currently below the median 3 Year CD rate we track (3.45% across 121 banks).
2.25% APY
down from 3.00% on Sep 19
- Last checked
- Nov 9 · 18 hours ago
- Minimum deposit
- None
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See the full American Express 3 Year CD rate history »
American Express CD Rate - 3 Year CD - Rate History
Now 2.25% APY
- All-time high 3.00% (Apr 2024)
- Low 0.45% (Sep 2020)
- 1-year change −0.75
- 29 changes
- Tracked since Jun 2010
- Full rate history »
The gray line is the median 3 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 19, 2026 | 2.25% | −0.75 |
| April 6, 2024 | 3.00% | +1.85 |
| December 23, 2022 | 1.15% | +0.70 |
| September 3, 2020 | 0.45% | −0.20 |
| July 9, 2020 | 0.65% | −0.15 |
| May 18, 2020 | 0.80% | −0.75 |
| April 10, 2020 | 1.55% | −0.40 |
| March 20, 2020 | 1.95% | −0.10 |
| September 16, 2019 | 2.05% | −0.20 |
| September 6, 2019 | 2.25% | −0.20 |
| August 14, 2019 | 2.45% | −0.10 |
| July 9, 2019 | 2.55% | −0.15 |
| June 20, 2019 | 2.70% | −0.10 |
| May 14, 2019 | 2.80% | −0.10 |
| March 15, 2019 | 2.90% | +0.15 |
| November 26, 2018 | 2.75% | +0.10 |
| September 20, 2018 | 2.65% | +0.10 |
| July 9, 2018 | 2.55% | +0.20 |
| June 1, 2018 | 2.35% | +0.40 |
| December 28, 2017 | 1.95% | +0.70 |
Show all 29 changes
| Date | APY | Change |
|---|---|---|
| July 21, 2015 | 1.25% | +0.35 |
| February 10, 2014 | 0.90% | +0.30 |
| June 11, 2013 | 0.60% | −0.30 |
| February 15, 2012 | 0.90% | −0.50 |
| October 12, 2011 | 1.40% | −0.05 |
| December 24, 2010 | 1.45% | −0.40 |
| October 1, 2010 | 1.85% | −0.30 |
| July 15, 2010 | 2.15% | −0.10 |
| June 24, 2010 | 2.25% | 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%
- 2 Year CD3.75%
- 4 Year CD2.25%
- 5 Year CD3.00%
- Savings3.20%
- Checking Account1.00%
Other 3 Year CD rates
- State Bank of India5.04%
- Merrick Bank4.90%
- Quorum Federal Credit Union4.90%
- BTG Pactual US4.85%
- Popular Direct4.85%
- CFG Bank4.82%
Common questions
What is the American Express 3 Year CD rate today?
The American Express 3 Year CD pays 2.25% APY as of November 9, 2026, checked 18 hours ago.
How does the American Express 3 Year CD compare with other 3 Year CDs?
It pays 2.25% APY. The median across the 121 3 Year CD rates RateBrain tracks is 3.45%, so it is 1.20 percentage points below the median.
What has the American Express 3 Year CD paid over time?
Since RateBrain began tracking it in 2010, it has paid as much as 3.00% (Apr 2024) and as little as 0.45% (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.