What happens when my American Express CD matures
Sourced directly from American Express, verified September 10, 2026.
If you do nothing
Your CD renews automatically into another CD of the same term.
Your grace period
10 days
Calendar days after maturity to change your mind without penalty.
How to stop the rollover
Verify with your bank.
Early-withdrawal penalty, if you break the CD before maturity
Deciding whether to renew or move
American Express's own best tracked CD currently pays 3.50%. Compare it against other tracked rates before your grace period ends.
Frequently asked questions
Does my American Express CD renew automatically?▾
Your CD renews automatically into another CD of the same term. This is based on American Express's own disclosure, verified September 10, 2026.
What is the grace period after my American Express CD matures?▾
American Express states a grace period of 10 calendar days after maturity, verified September 10, 2026.
How do I stop my American Express CD from renewing?▾
SwitchWize has not verified American Express's specific opt-out steps. Contact American Express directly, ideally before your stated grace period ends.
SwitchWize was not paid by American Express for this page.
Educational information, not individualized financial advice. Bank rules can change without notice; the verified date above reflects when SwitchWize last confirmed these facts directly against American Express’s own disclosure.