Rate checked November 8, 2026 (today)
American Express 14-month CD rate: 3.75% APY
American Express's 14-month CD pays 3.75% APY. That ranks 2nd of the 3 banks we track for this term. The best is 4.30% at Synchrony.
- APY
- 3.75%
- Last change
- None yet
- Tracked since Nov 7, 2026
- Last checked
- today
- Nov 8, 2026
New or unusual rate. This rate is well above the rest or rests on very little history, so we do not call it the best until a second reading backs it. Verify it on American Express's site before you open an account.
What it earns on $25,000
At 3.75%, $25,000 earns about $938 in the first year.
The best 14-month CD earns about $1,075 on the same money. Choosing American Express instead gives up about $137 a year.
The middle 14-month rate across 3 banks is 3.75%. Figures are first-year interest at the quoted APY, before taxes.
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American Express 14-month CD rate history
We have tracked this rate since November 7, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 7, 2026 | 3.75% | First tracked |
Banks that pay more for a 14-month CD
- Synchrony4.30%
American Express CD rates for other terms
Other American Express rates
Questions
What is American Express's 14-month CD rate?
American Express pays 3.75% APY on its 14-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 14-month CD rate good?
It ranks 2nd of the 3 banks we track for this term. The best rate for this term is 4.30% at Synchrony, and the middle rate is 3.75%. Choosing American Express over the best costs about $137 a year on $25,000.
Which banks pay more than American Express on a 14-month CD?
Synchrony (4.30%).
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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.