American Express CD Rate - 4 Year
American Express's 4 Year CD pays 2.25% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2010, this 4 Year CD has paid as much as 3.00% (Mar 2019) and as little as 0.50% (Sep 2020). It is currently below the median 4 Year CD rate we track (3.35% across 90 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 4 Year CD rate history »
American Express CD Rate - 4 Year CD - Rate History
Now 2.25% APY
- All-time high 3.00% (Mar 2019)
- Low 0.50% (Sep 2020)
- 1-year change −0.75
- 32 changes
- Tracked since Jun 2010
- Full rate history »
The gray line is the median 4 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 19, 2026 | 2.25% | −0.75 |
| April 26, 2024 | 3.00% | +1.80 |
| December 23, 2022 | 1.20% | +0.70 |
| September 3, 2020 | 0.50% | −0.25 |
| July 17, 2020 | 0.75% | −0.15 |
| May 15, 2020 | 0.90% | −0.65 |
| April 24, 2020 | 1.55% | −0.05 |
| April 12, 2020 | 1.60% | −0.35 |
| March 20, 2020 | 1.95% | −0.15 |
| October 6, 2019 | 2.10% | −0.05 |
| September 30, 2019 | 2.15% | +0.05 |
| September 17, 2019 | 2.10% | −0.20 |
| August 27, 2019 | 2.30% | −0.20 |
| August 13, 2019 | 2.50% | −0.15 |
| July 9, 2019 | 2.65% | −0.15 |
| June 21, 2019 | 2.80% | −0.10 |
| May 10, 2019 | 2.90% | −0.10 |
| March 18, 2019 | 3.00% | +0.20 |
| November 26, 2018 | 2.80% | +0.10 |
| September 25, 2018 | 2.70% | +0.10 |
Show all 32 changes
| Date | APY | Change |
|---|---|---|
| June 27, 2018 | 2.60% | +0.20 |
| May 31, 2018 | 2.40% | +0.40 |
| December 27, 2017 | 2.00% | +0.55 |
| September 22, 2015 | 1.45% | +0.35 |
| February 10, 2014 | 1.10% | +0.50 |
| July 3, 2013 | 0.60% | −0.40 |
| February 13, 2012 | 1.00% | −0.50 |
| October 12, 2011 | 1.50% | −0.10 |
| December 16, 2010 | 1.60% | −0.40 |
| September 30, 2010 | 2.00% | −0.25 |
| July 15, 2010 | 2.25% | −0.25 |
| June 24, 2010 | 2.50% | 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%
- 3 Year CD2.25%
- 5 Year CD3.00%
- Savings3.20%
- Checking Account1.00%
Other 4 Year CD rates
- State Bank of India5.04%
- Quorum Federal Credit Union5.00%
- Popular Direct4.95%
- BTG Pactual US4.85%
- NASA Federal Credit Union4.75%
- Bread Financial4.65%
Common questions
What is the American Express 4 Year CD rate today?
The American Express 4 Year CD pays 2.25% APY as of November 9, 2026, checked 18 hours ago.
How does the American Express 4 Year CD compare with other 4 Year CDs?
It pays 2.25% APY. The median across the 90 4 Year CD rates RateBrain tracks is 3.35%, so it is 1.10 percentage points below the median.
What has the American Express 4 Year CD paid over time?
Since RateBrain began tracking it in 2010, it has paid as much as 3.00% (Mar 2019) and as little as 0.50% (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.