Rate checked November 8, 2026 (today)
American Express 4-year CD rate: 2.25% APY
American Express's 4-year CD pays 2.25% APY. That ranks 30th of the 43 banks we track for this term. The best is 5.00% at Quorum Federal Credit Union.
- APY
- 2.25%
- Last change
- None yet
- Tracked since Nov 7, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 2.25%, $25,000 earns about $563 in the first year.
The best 4-year CD earns about $1,250 on the same money. Choosing American Express instead gives up about $687 a year.
The middle 4-year rate across 43 banks is 3.25%. Figures are first-year interest at the quoted APY, before taxes.
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American Express 4-year CD rate history
We have tracked this rate since November 7, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 7, 2026 | 2.25% | First tracked |
Banks that pay more for a 4-year CD
- Quorum Federal Credit Union5.00%
- Popular Direct4.95%
- BTG Pactual Bank4.85%
American Express CD rates for other terms
Other American Express rates
Questions
What is American Express's 4-year CD rate?
American Express pays 2.25% APY on its 4-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 4-year CD rate good?
It ranks 30th of the 43 banks we track for this term. The best rate for this term is 5.00% at Quorum Federal Credit Union, and the middle rate is 3.25%. Choosing American Express over the best costs about $687 a year on $25,000.
Which banks pay more than American Express on a 4-year CD?
Quorum Federal Credit Union (5.00%), Popular Direct (4.95%), BTG Pactual Bank (4.85%).
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