American Express provides money-saving products, including competitive CD rates and high-yield savings accounts. This guide will compare AMEX’s interest rates to CD rates from the USA’s top banks.
Earn The Highest Interest Rates On Savings Today
Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.
| Term | Insurance Company | APY |
|---|---|---|
| N/A | GreenState Credit Union Savings Account | 5.01% |
| N/A | Ponce Bank | 5.01% |
| 12 Months | Bread Savings CD | 5.20% |
| 27 Months | Sallie Mae CD | 5.15% |
| 48 Months | Americo Fixed Annuity | 5.05% |
| 5 Years | Americo Fixed Annuity | 5.25% |
| 10 Years | American National | 5.45% |
Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this article.
Compare American Express CD Rates With Other Banks
Popular CD Rates Today
3-Month CD Rates
The following banks and credit unions have the highest CD rates for three months.
| Best 3-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 2.25% APY | 3 Months | $0.00 |
| Popular Direct | 4.10% APY | 3 Months | $10,000.00 |
| TIAA Bank | 4.00% APY | 3 Months | $1,000.00 |
| TotalDirect Bank | 4.00% APY | 3 Months | $25,000.00 |
| Ally | 2.00% APY | 3 Months | $0.00 |
| Bethpage Federal Credit Union | 2.25% APY | 3 Months | $50.00 |
| Teachers Federal Credit Union | 4.50% APY | 3 Months | $1,000.00 |
6-Month CD Rates
The following banks and credit unions have the highest CD rates for six months.
| Best 6-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| CommunityWide FCU | 4.50% APY | 6 Months | $1.000.00 |
| PenFed Credit Union | 2.70% APY | 6 Months | $1,000.00 |
| Synchrony Bank | 4.25% APY | 6 Months | $0.01 |
| Popular Direct | 4.75% APY | 6 Months | $10,000.00 |
| First Internet Bank | 4.52% APY | 6 Months | $1,000.00 |
| Quontic Bank | 3.75% APY | 6 Months | $500.00 |
| Marcus by Goldman Sachs | 3.90% APY | 6 Months | $500.00 |
| Bank5 Connect | 4.75% APY | 6 Months | $1,000.00 |
| Fortera Credit Union | 5.25% APY | 7 Months | $1,000.00 |
| Bask Bank | 5.85% APY | 6 Months | $1,000.00 |
| Live Oak Bank | 4.80% APY | 6 Months | $2,500.00 |
| Brilliant Bank | 5.25% APY | 9 Months | $1,000.00 |
| MYSB Direct | 5.00% APY | 6 Months | $500.00 |
1-Year CD Rates
The following banks and credit unions have the highest CD rates for 12 months.
| Best 12-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 5.05% APY | 12 Months | $1,500.00 |
| First National Bank of America | 4.40% APY | 12 Months | $1,000.00 |
| CommunityWide FCU | 5.00% APY | 12 Months | $1,000.00 |
| PenFed Credit Union | 4.60% APY | 12 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.50% APY | 12 Months | $500.00 |
| Synchrony Bank | 4.50% APY | 12 Months | $0.00 |
| Popular Direct | 5.15% APY | 12 Months | $10,000.00 |
| First Internet Bank of Indiana | 5.06% APY | 12 Months | $1,000.00 |
| Alliant Credit Union | 5.00% APY | 12 Months | $1,000.00 |
| Bethpage Federal Credit Union | 5.00% APY | 12 Months | $50.00 |
| Umbrella Bank | 4.20% APY | 12 Months | $1,000.00 |
| Limelight Bank | 5.15% APY | 12 Months | $1,000.00 |
| CFG Bank | 5.20% APY | 12 Months | $500.00 |
| Rising Bank | 5.00% APY | 12 Months | $1,000.00 |
| America First Credit Union | 5.10% APY | 12 Months | $500.00 |
| Sallie Mae Bank | 4.80% APY | 12 Months | $2,500.00 |
| MYSB Direct | 5.25% APY | 12 Months | $500.00 |
2-Year CD Rates
Banks and credit unions have the highest CD rates for 24 months.
| Best 2-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 4.30% APY | 24 Months | $0.01.00 |
| First National Bank of America | 4.40% APY | 24 Months | $1,000.00 |
| Pentagon Federal Credit Union | 4.45% APY | 24 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.35% APY | 24 Months | $500.00 |
| Credit Human | 5.50% APY | 24 Months | $500.00 |
| North American Savings Bank | 5.13% APY | 24 Months | $5,000.00 |
| Bread Savings | 5.10% APY | 24 Months | $1,500.00 |
| Langley Federal Credit Union | 5.35% APY | 22 Months | $500.00 |
3-Year CD Rates
The following banks and credit unions have the highest CD rates for 36 months.
| Best 3-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.50% APY | 36 Months | $1,500.00 |
| Pentagon Federal Credit Union | 4.10% APY | 36 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 36 Months | $0.01% |
| First National Bank of America | 4.40% APY | 36 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.30% APY | 36 Months | $500.00 |
| Discover | 4.30% APY | 36 Months | $2,500.00 |
| Popular Direct | 4.45% APY | 36 Months | $10,000.00 |
| Quontic Bank | 4.30% APY | 36 Months | $500.00 |
| Barclays | 4.30% APY | 36 Months | $0.00 |
| Randolph-Brooks Federal Credit Union | 4.35% APY | 36 Months | $20,000.00 |
| Credit Human | 5.50% APY | 24-35 Months | $500.00 |
| First Internet Bank of Indiana | 4.54% APY | 36 Months | $1,000.00 |
| Quorum Federal Credit Union | 5.15% APY | 36 Months | $1,000.00 |
| Summit Credit Union | 4.85% APY | 36 Months | $500.00 |
4-Year CD Rates
The following banks and credit unions have the highest CD rates for 48 months.
| Best 4-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.35% APY | 48 Months | $1,500.00 |
| NASA Federal Credit Union | 4.55% APY | 49 Months | $10,000.00 |
| PenFed Credit Union | 3.90% APY | 48 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 48 Months | $0.01 |
| First National Bank of America | 4.35% APY | 48 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 48 Months | $500.00 |
| Credit Human | 4.65% APY | 36-59 Months | $500.00 |
| All In Credit Union | 4.49% APY | 48 Months | $1,000.00 |
| University Federal Credit Union | 5.00% APY | 48 Months | $1,000.00 |
5-Year CD Rates
The following banks and credit unions have the highest CD rates for 60 months.
| Best 5-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.25% APY | 60 Months | $1,500.00 |
| Popular Direct | 4.50% APY | 60 Months | $10,000.00 |
| Synchrony Bank | 4.30% APY | 60 Months | $0.00 |
| PenFed Credit Union | 3.90% APY | 60 Months | $1,000.00 |
| First National Bank of America | 4.35% APY | 60 Months | $1,000.00 |
| Marcus by Goldman Sachs | 3.80% APY | 60 Months | $500.00 |
| Discover | 4.10% APY | 60 Months | $2,500.00 |
| Connexus Credit Union | 3.51% APY | 60 Months | $5,000.00 |
| Barclays | 4.30% APY | 60 Months | $0.00 |
| BMO Harris | 4.50% APY | 59 Months | $5,000.00 |
| Credit Human | 4.65% APY | 60 Months | $500.00 |
| First Internet Bank of Indiana | 4.49% APY | 60 Months | $1,000.00 |
| All In Credit Union | 5.00% APY | 60 Months | $1,000.00 |
| Lafayette Federal Credit Union | 4.63% APY | 60 Months | $500.00 |
Next Steps
In conclusion, these CD rates are an excellent option for those looking for a good interest rate. However, comparing the different rates other banks offer is essential to finding the best option for you. Contact us today for a quote, and we would be happy to help!
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