Certificates

No matter what the economic environment may be, Ameriprise certificates provide reliable rates and safety for your principal. Most certificates allow an initial investment as low as $1,000, and some of our certificates allow you to make automatic monthly payments of as little as $50 per month when your account is set up with a regular payment plan.

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• Types of certificates offered

When you're in search of competitive yields without undue amounts of risk, consider Ameriprise certificates. Our certificates offer interest earnings, plus safety for your original investment — all without a sales charge. The best way to get all the details is to speak with an Ameriprise financial advisor.

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Many people keep an accessible cash reserve for emergencies or sudden financial opportunities. But too often they keep it in an account where it doesn't earn as much as it could. When someone comes to us in this situation, our advisors often help them make the most of their cash, when appropriate, by placing an appropriate amount in an Ameriprise certificate.

Certificates keep your money accessible if you need it, but they also allow you to earn a competitive yield with very little risk. Clients work with their advisors to monitor certificate earnings over time, and make strategic withdrawals as necessary.

You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. For a free copy of the certificate prospectus, which contains this and other information, download it here or call (800) 862-7919. Read the prospectus carefully before you invest.

Investment products are not federally or FDIC insured, are not deposits or obligations of or guaranteed by any financial institution and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise certificates are backed by reserves of cash and qualified assets on deposit. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. Bank CDs are FDIC insured.

Ameriprise certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, Inc., Member FINRA.