American Express vs Ally
Amex 12-Month CD pays 4.75% APY; Ally 12-Month CD pays 4.60%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
3.50%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: Competitive rate with easy online access
Open with American Express →Option B
Ally
4.15%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: savers prioritizing brand familiarity
Open with Ally →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 5/7/2026.