American Express 3 Year CD Rate History (2010–2026)
RateBrain has recorded 29 rate changes for American Express's 3 Year CD since June 24, 2010. Its highest rate was 3.00% (Apr 2024) and its lowest 0.45% (Sep 2020). It pays 2.25% APY today, last changed on September 19, 2026. That is down 0.75 percentage points from a year ago.
Current American Express 3 Year CD rate »American Express rate history »3 Year CD rate history »
Rate history chart
Now 2.25% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.00% | 2.25% | 2.25% | 1 |
| 2025 | 3.00% | 3.00% | 3.00% | 0 |
| 2024 | 3.00% | 1.15% | 3.00% | 1 |
| 2023 | 1.15% | 1.15% | 1.15% | 0 |
| 2022 | 1.15% | 0.45% | 1.15% | 1 |
| 2021 | 0.45% | 0.45% | 0.45% | 0 |
| 2020 | 2.05% | 0.45% | 0.45% | 5 |
| 2019 | 2.90% | 2.05% | 2.05% | 7 |
| 2018 | 2.75% | 1.95% | 2.75% | 4 |
| 2017 | 1.95% | 1.25% | 1.95% | 1 |
| 2016 | 1.25% | 1.25% | 1.25% | 0 |
| 2015 | 1.25% | 0.90% | 1.25% | 1 |
| 2014 | 0.90% | 0.60% | 0.90% | 1 |
| 2013 | 0.90% | 0.60% | 0.60% | 1 |
| 2012 | 1.40% | 0.90% | 0.90% | 1 |
| 2011 | 1.45% | 1.40% | 1.40% | 1 |
| 2010 | 2.25% | 1.45% | 1.45% | 4 |
All 29 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 |
| 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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