American Express Savings Rate History (2009–2026)
RateBrain has recorded 81 rate changes for American Express's savings account since September 1, 2009. Its highest rate was 4.35% (Dec 2023) and its lowest 0.40% (Mar 2021). It pays 3.00% APY today, last changed on July 31, 2026. That is down 0.50 percentage points from a year ago.
Current American Express savings account rate »American Express rate history »Savings rate history »
Rate history chart
Now 3.00% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.40% | 3.00% | 3.00% | 4 |
| 2025 | 3.80% | 3.40% | 3.40% | 4 |
| 2024 | 4.35% | 3.80% | 3.80% | 6 |
| 2023 | 4.35% | 3.30% | 4.35% | 8 |
| 2022 | 3.30% | 0.40% | 3.30% | 19 |
| 2021 | 0.50% | 0.40% | 0.40% | 1 |
| 2020 | 1.70% | 0.50% | 0.50% | 8 |
| 2019 | 2.10% | 1.70% | 1.70% | 4 |
| 2018 | 2.00% | 1.35% | 2.00% | 7 |
| 2017 | 1.35% | 0.90% | 1.35% | 5 |
| 2016 | 0.90% | 0.90% | 0.90% | 0 |
| 2015 | 0.90% | 0.80% | 0.90% | 2 |
| 2014 | 0.90% | 0.80% | 0.80% | 2 |
| 2013 | 0.90% | 0.85% | 0.85% | 1 |
| 2012 | 0.90% | 0.75% | 0.90% | 3 |
| 2011 | 1.30% | 0.90% | 0.90% | 3 |
| 2010 | 1.50% | 1.30% | 1.30% | 1 |
| 2009 | 1.85% | 1.50% | 1.50% | 3 |
All 81 rate changes
| Date | APY | Change |
|---|---|---|
| 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 |
| 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 |
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.