Certificate rates

Ameriprise® Certificates

Ameriprise® Certificates offer guaranteed principal, various terms and competitive rates. They can be an ideal way to build your cash reserves.

Printer-friendly certificates rate sheet

*Effective annual yield

Ameriprise® Flexible Savings Certificate

Rates as of Jan. 16, 2019

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.89% 1.90% 1.89% 1.90%
6 months 2.04% 2.05% 2.04% 2.05%
7 months1 2.04% 2.05% N/A N/A
9 months 2.09% 2.11% 2.09% 2.11%
12 months 2.13% 2.15% 2.13% 2.15%
18 months 2.13% 2.15% 2.13% 2.15%
24 months 2.18% 2.20% 2.18% 2.20%
30 months 2.28% 2.30% 2.28%

2.30%

36 months 2.43% 2.45% 2.43% 2.45%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.94% 1.95% 1.94% 1.95%
6 months 2.09% 2.11% 2.09% 2.11%
7 months1 2.09% 2.11% N/A N/A
9 months 2.13% 2.15% 2.13% 2.15%
12 months 2.18% 2.20% 2.18% 2.20%
18 months 2.18% 2.20% 2.18% 2.20%
24 months 2.23% 2.25% 2.23% 2.25%
30 months 2.33% 2.35% 2.33% 2.35%
36 months 2.48% 2.50% 2.48% 2.50%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 2.38% 2.40% N/A N/A

Ameriprise® Cash Reserve Certificate

Rates as of Jan. 16, 2019

Balance Amount Interest Rate Effective Annual Yield
Under $10,000 1.00% 1.00%
Between $10,000 and $24,999 1.05% 1.05%
$25,000 and above 1.05% 1.05%

Ameriprise® Step-Up Rate Certificate

Rates as of Jan. 16, 2019

Term New Purchases/Renewals
  Interest Rate/Set-Up Rate3 Effective Annual Yield
2 Year 1.84% 1.85%
3 Year 1.99% 2.00%
4 Year 1.89% 1.90%

Ameriprise® Stock Market Certificate

 

Full Participation
Effective for Terms Starting:
Jan. 23, 2018

Partial Participation
Effective for Terms Starting:
Jan. 23, 2018
Full Participation
Effective for Terms Starting:
Jan. 30, 2018
Partial Participation
Effective for Terms Starting:
Jan. 30, 2018
Maximum Return - 52 week term 3.50% 3.50% 3.50% 3.50%
Minimum Return - 52 week term 0.00% 0.75% 0.00% 0.75%
Maximum Return - 104 week term 8.25% 8.25% 8.25% 8.25%
Minimum Return - 104 week term 0.00% 2.15% 0.00% 2.15%
Maximum Return - 156 week term 15.00% 15.00% 15.00% 15.00%
Minimum Return - 156 week term 0.00% 4.10% 0.00% 4.10%

 

  Full Participation Partial Participation Effective Date
Market Participation - all terms 100% 25%  
Interim Interest Rate4 0.30%   23-Jan-19
0.35%   30-Jan-19
S&P 500 Closing Index Value 2574.41  

8-Jan-19

 

Ameriprise® Installment Certificate

Rates as of Jan. 16, 2019

Effective Annual Yield
3 months 1.45%