Rate checked November 2, 2026
American Express 3-year CD rate: 2.25% APY
American Express's 3-year CD pays 2.25% APY. That ranks 42nd of the 65 banks we track for this term. The best is 4.90% at Merrick Bank.
What it earns on $25,000
At 2.25%, $25,000 earns about $563 in the first year.
The best 3-year CD earns about $1,225 on the same money. Choosing American Express instead gives up about $662 a year.
The middle 3-year rate across 65 banks is 3.20%. Figures are first-year interest at the quoted APY, before taxes.
Banks that pay more for a 3-year CD
- Merrick Bank4.90%
- Quorum Federal Credit Union4.90%
- Popular Direct4.85%
American Express CD rates for other terms
Questions
What is American Express's 3-year CD rate?
American Express pays 2.25% APY on its 3-year CD, based on its own rate page when we last checked. That earns about $563 a year on $25,000.
Is American Express's 3-year CD rate good?
It ranks 42nd of the 65 banks we track for this term. The best rate for this term is 4.90% at Merrick Bank, and the middle rate is 3.20%. Choosing American Express over the best costs about $662 a year on $25,000.
Which banks pay more than American Express on a 3-year CD?
Merrick Bank (4.90%), Quorum Federal Credit Union (4.90%), Popular Direct (4.85%).
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.