American Express Savings Rate

American Express's savings account pays 3.10% APY as of September 28, 2026, checked 5 days ago. Since RateBrain began tracking it in 2009, this savings account has paid as much as 4.35% (Dec 2023) and as little as 0.40% (Mar 2021). It is currently below the median savings rate we track (3.35% across 87 banks).

3.10% APY

up from 3.00% on Sep 27

Last checked: Sep 28 · 5 days ago
Minimum deposit: None

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American Express Savings Rate - Rate History

Now 3.10% APY

All-time high 4.35% (Dec 2023)
Low 0.40% (Mar 2021)
1-year change −0.40
82 changes
Tracked since Sep 2009
Full rate history »

The gray line is the median savings rate across the banks we tracked each month.

Rate changes

Date	APY	Change
September 27, 2026	3.10%	+0.10
July 31, 2026	3.00%	−0.10
May 28, 2026	3.10%	−0.10
March 25, 2026	3.20%	−0.10
January 8, 2026	3.30%	−0.10
December 26, 2025	3.40%	−0.10
July 23, 2025	3.50%	−0.10
May 15, 2025	3.60%	−0.10
February 25, 2025	3.70%	−0.10
December 17, 2024	3.80%	−0.10
November 28, 2024	3.90%	−0.10
October 28, 2024	4.00%	−0.10
October 4, 2024	4.10%	−0.15
April 26, 2024	4.25%	−0.05
April 15, 2024	4.30%	−0.05
December 21, 2023	4.35%	+0.05
October 5, 2023	4.30%	+0.05
August 18, 2023	4.25%	+0.10
August 1, 2023	4.15%	+0.15
June 1, 2023	4.00%	+0.10

Show all 82 changes

Date	APY	Change
May 16, 2023	3.90%	+0.15
March 26, 2023	3.75%	+0.35
February 8, 2023	3.40%	+0.10
December 23, 2022	3.30%	+0.30
November 17, 2022	3.00%	+0.25
November 9, 2022	2.75%	+0.25
November 3, 2022	2.50%	+0.15
October 28, 2022	2.35%	+0.10
October 26, 2022	2.25%	+0.10
October 10, 2022	2.15%	+0.15
October 3, 2022	2.00%	+0.10
September 28, 2022	1.90%	+0.15
September 4, 2022	1.75%	+0.10
August 22, 2022	1.65%	+0.15
August 17, 2022	1.50%	+0.35
July 28, 2022	1.15%	+0.15
July 4, 2022	1.00%	+0.10
June 27, 2022	0.90%	+0.15
June 13, 2022	0.75%	+0.10
June 1, 2022	0.65%	+0.05
May 9, 2022	0.60%	+0.10
February 7, 2022	0.50%	+0.10
March 13, 2021	0.40%	−0.10
December 21, 2020	0.50%	−0.10
September 18, 2020	0.60%	−0.20
August 18, 2020	0.80%	−0.20
June 26, 2020	1.00%	−0.15
June 5, 2020	1.15%	−0.15
May 15, 2020	1.30%	−0.20
April 29, 2020	1.50%	−0.10
April 6, 2020	1.60%	−0.10
December 12, 2019	1.70%	−0.05
November 15, 2019	1.75%	−0.15
August 27, 2019	1.90%	−0.20
January 21, 2019	2.10%	+0.10
November 19, 2018	2.00%	+0.10
October 2, 2018	1.90%	+0.10
August 28, 2018	1.80%	+0.05
July 9, 2018	1.75%	+0.10
June 13, 2018	1.65%	+0.10
April 7, 2018	1.55%	+0.10
January 29, 2018	1.45%	+0.10
December 27, 2017	1.35%	+0.10
October 12, 2017	1.25%	+0.10
August 4, 2017	1.15%	+0.10
July 6, 2017	1.05%	+0.10
May 23, 2017	0.95%	+0.05
January 20, 2015	0.90%	+0.05
January 2, 2015	0.85%	+0.05
March 19, 2014	0.80%	−0.10
March 7, 2014	0.90%	+0.05
March 1, 2013	0.85%	−0.05
August 27, 2012	0.90%	+0.05
June 14, 2012	0.85%	+0.10
February 24, 2012	0.75%	−0.15
December 2, 2011	0.90%	−0.10
June 20, 2011	1.00%	−0.15
March 7, 2011	1.15%	−0.15
March 4, 2010	1.30%	−0.20
December 18, 2009	1.50%	−0.20
October 27, 2009	1.70%	−0.15
September 1, 2009	1.85%	first tracked

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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.