Ameriprise® Bank Certificate of Deposit

Maximize the impact of your cash balances with an Ameriprise Bank Certificate of Deposit (CD).

 

Ameriprise Bank CDs, available in 3-month, 6-month, 7-month and 12-month terms, offer you competitive rates and a trusted, convenient way to manage your cash and support your savings goals. Open your Ameriprise Bank CD account with a $1,000 minimum deposit.2,3

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Check out the Ameriprise Bank CD rates and get started:
 

 

Standard Rate2

Relationship Rate3

Term Length

Standard Interest Rate2

Annual Percentage Yield2

Relationship Interest Rate3

Annual Percentage Yield3
3 Months 0.50% 0.50% 4.21% 4.30%
6 Months 0.50% 0.50% 3.20% 3.25%

7 Months

(Promotional)*

 0.50% 0.50% 4.21% 4.30%
12 Months 0.50% 0.50% 1.98% 2.00%
* The 7-month CD is a promotional term that only accepts funds from external sources outside of Ameriprise Bank, FSB and its affiliates.4

 

Printer-friendly Ameriprise Bank CD account rate sheet

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Ameriprise Bank Certificate of Deposit features

 FDIC insured target

Your funds are FDIC-insured5 up to applicable limits.

 Trusted partner handshake

Ameriprise Bank, FSB is a name you know and trust to make you feel confident and in control of your savings goals.

 Streamlined financial picture prioritize

View your investments and Ameriprise Bank products in one convenient place to ensure you are meeting your goals. Your accounts are available on ameriprise.com secure site or through the Ameriprise Financial app.6

 Guaranteed rate7 diversify

Lock in a fixed rate so you know exactly how much interest you will earn.2,3
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Disclosures:

The content of this page is for informational purposes only. Ameriprise® Bank Certificate of Deposit accounts are subject to approval. Other terms and conditions apply. The terms, conditions, fees and features of the Ameriprise Bank Certificate of Deposit accounts may change. For terms and conditions of Ameriprise Bank Certificate of Deposit account, please see Ameriprise Bank, FSB Deposit Account Agreement.

1If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919.

2Standard Annual Percentage Yield (“APY”) and standard interest rate are accurate as of 02/05/2025. The standard rates may change in our sole discretion at any time without notice before an Ameriprise Bank Certificate of Deposit (“CD”) account (“CD Account”) is opened or a CD Account renewal term begins. The standard rates are fixed for the term of the CD Account and will be determined at CD Account opening or renewal date. The standard APY and standard interest rate on your CD Account assume interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Interest is compounded daily and will be credited to your CD Account on the maturity date. Please see Ameriprise® Bank Certificate of Deposit Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information.
The minimum deposit required to open a CD Account and obtain the standard APY and standard interest rate is $1,000.

3Relationship Annual Percentage Yield ("APY") and relationship interest rate are accurate as of 02/05/2025. The relationship rates may change in our sole discretion at any time without notice before an Ameriprise Bank Certificate of Deposit (“CD”) account (“CD Account”) is opened or a CD Account renewal term begins. The relationship rates are fixed for the term of the CD Account and will be determined at CD Account opening or renewal date. The relationship APY and relationship interest rate on your CD Account assume interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Interest is compounded daily and will be credited to your CD Account on the maturity date. Please see Ameriprise Bank Certificate of Deposit Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information.
The minimum deposit required to open a CD Account and obtain the relationship APY and relationship interest rate is $1,000.

Eligibility for the Ameriprise Bank CD relationship rate requires $50,000 or more in household group balances including Ameriprise® Bank Savings Accounts, Ameriprise Bank Certificate of Deposit accounts, Ameriprise® Bank Checking Accounts, Ameriprise brokerage accounts and Ameriprise® Certificate accounts (“Ameriprise Accounts”) as of the prior month-end statement ("Relationship Status Requirements").

 

A household group consists of accounts owned by an individual, their spouse or domestic partner, and their unmarried children under the age of 21 who reside at the same address. The relationship status will be determined at CD Account opening only and will not be changed. Any subsequent CD Accounts opened after obtaining the Relationship Status Requirements may be eligible for the relationship APY. If you do not meet the Relationship Status Requirements, your CD Account will earn standard APY(s) and standard interest rate(s).

 

 

4The minimum deposit required to open the promotional 7-month term Ameriprise Bank Certificate of Deposit account (“Promotional CD Account”) and obtain applicable standard or relationship rate is $1,000 in New Money. “New Money” is money that is deposited into the Account directly from external accounts outside of Ameriprise Bank, FSB and its affiliates. Deposits made by internal transfers from any other Ameriprise accounts are not eligible. Promotion available for accounts funded between 01/29/2025 through 04/30/2025. Applicable rate will be determined at CD Account funding and may change in our discretion without notice, prior to CD Account opening. The 7-month Promotional CD Account will automatically renew to non-promotional 6-month term. Other restrictions may apply. We reserve the right to modify or withdraw this promotion at any time without notice and promotion not combinable with other offers.    


5For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.

6Eligibility requirements and restrictions apply. Wireless, message and data rates may apply. Please refer to Ameriprise Mobile Deposit Addendum, Ameriprise Bank, FSB Deposit Account Agreement and Mobile Deposit FAQ for information.
 
7There is a penalty for withdrawals prior to the maturity date of an Ameriprise Bank Certificate of Deposit account (“CD Account”). If the withdrawal occurs after 10 days of opening a CD Account, the early withdrawal penalty will be 3 months of interest. If the withdrawal occurs within the first 10 days of opening a CD Account including the day the CD Account was opened, the early withdrawal penalty will be 10 days of interest. We may not permit withdrawal if funds have not been credited to the CD Account. The amount of the early withdrawal penalty may be deducted from principal. Please see the Ameriprise Bank, FSB Deposit Agreement for more details.
 
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC (“AFS”).

Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. AFS financial advisors may receive compensation for selling bank products.
 

Ameriprise Bank, FSB. Member FDIC.

 

Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.

 

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