Rate checked November 2, 2026
American Express 12-month CD rate: 3.75% APY
American Express's 12-month CD pays 3.75% APY. That ranks 39th of the 67 banks we track for this term. The best is 4.65% at CFG Bank.
What it earns on $25,000
At 3.75%, $25,000 earns about $938 in the first year.
The best 12-month CD earns about $1,163 on the same money. Choosing American Express instead gives up about $225 a year.
The middle 12-month rate across 67 banks is 4.00%. Figures are first-year interest at the quoted APY, before taxes.
Banks that pay more for a 12-month CD
- CFG Bank4.65%
- Merrick Bank4.65%
- Popular Direct4.60%
American Express CD rates for other terms
Questions
What is American Express's 12-month CD rate?
American Express pays 3.75% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $938 a year on $25,000.
Is American Express's 12-month CD rate good?
It ranks 39th of the 67 banks we track for this term. The best rate for this term is 4.65% at CFG Bank, and the middle rate is 4.00%. Choosing American Express over the best costs about $225 a year on $25,000.
Which banks pay more than American Express on a 12-month CD?
CFG Bank (4.65%), Merrick Bank (4.65%), Popular Direct (4.60%).
General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.