American Express 4 Year CD Rate History (2010–2026)
RateBrain has recorded 32 rate changes for American Express's 4 Year CD since June 24, 2010. Its highest rate was 3.00% (Mar 2019) and its lowest 0.50% (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 4 Year CD rate »American Express rate history »4 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% | 1.20% | 3.00% | 1 |
| 2023 | 1.20% | 1.20% | 1.20% | 0 |
| 2022 | 1.20% | 0.50% | 1.20% | 1 |
| 2021 | 0.50% | 0.50% | 0.50% | 0 |
| 2020 | 2.10% | 0.50% | 0.50% | 6 |
| 2019 | 3.00% | 2.10% | 2.10% | 9 |
| 2018 | 2.80% | 2.00% | 2.80% | 4 |
| 2017 | 2.00% | 1.45% | 2.00% | 1 |
| 2016 | 1.45% | 1.45% | 1.45% | 0 |
| 2015 | 1.45% | 1.10% | 1.45% | 1 |
| 2014 | 1.10% | 0.60% | 1.10% | 1 |
| 2013 | 1.00% | 0.60% | 0.60% | 1 |
| 2012 | 1.50% | 1.00% | 1.00% | 1 |
| 2011 | 1.60% | 1.50% | 1.50% | 1 |
| 2010 | 2.50% | 1.60% | 1.60% | 4 |
All 32 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 |
| 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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