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 March 25, 2020

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.70% 0.70% 0.70% 0.70%
6 months 0.75% 0.75% 0.75% 0.75%
7 months1 0.75% 0.75% N/A N/A
9 months 0.75% 0.75% 0.75% 0.75%
12 months 0.75% 0.75% 0.75% 0.75%
18 months 0.75% 0.75% 0.75% 0.75%
24 months 0.70% 0.70% 0.70% 0.70%
30 months 0.75% 0.75% 0.75%

0.75%

36 months 0.85% 0.85% 0.85% 0.85%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.75% 0.75% 0.75% 0.75%
6 months 0.80% 0.80% 0.80% 0.80%
7 months1 0.80% 0.80% N/A N/A
9 months 0.80% 0.80% 0.80% 0.80%
12 months 0.80% 0.80% 0.80% 0.80%
18 months 0.80% 0.80% 0.80% 0.80%
24 months 0.75% 0.75% 0.75% 0.75%
30 months 0.80% 0.80% 0.80% 0.80%
36 months 0.90% 0.90% 0.90% 0.90%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 1.00% 1.00% N/A N/A

Ameriprise® Cash Reserve Certificate

Rates as of March 25, 2020

Balance Amount Interest Rate Effective Annual Yield
Under $10,000 0.65% 0.65%
Between $10,000 and $24,999 0.70% 0.70%
$25,000 and above 0.70% 0.70%

Ameriprise® Step-Up Rate Certificate

Rates as of March 25, 2020

Term New Purchases/Renewals
  Interest Rate/Step-Up Rate3 Effective Annual Yield
2 Year 0.75% 0.75%
3 Year 0.90% 0.90%
4 Year 1.20% 1.20%

Ameriprise® Stock Market Certificate

 

Full Participation
Effective for Terms Starting:
April 1, 2020

Partial Participation
Effective for Terms Starting:
April 1, 2020
Full Participation
Effective for Terms Starting:
April 8, 2020
Partial Participation
Effective for Terms Starting:
April 8, 2020
Maximum Return - 52 week term 0.90% 0.90% 0.90% 0.90%
Minimum Return - 52 week term 0.00% 0.05% 0.00% 0.05%
Maximum Return - 104 week term 1.85% 1.85% 1.85% 1.85%
Minimum Return - 104 week term 0.00% 0.15% 0.00% 0.15%
Maximum Return - 156 week term 3.90% 3.90% 3.90% 3.90%
Minimum Return - 156 week term 0.00% 0.45% 0.00% 0.45%

 

  Full Participation Partial Participation Effective Date
Market Participation - all terms 100% 25%  
Interim Interest Rate4 0.35%  

1-April-2020

0.35%   8-April-2020
S&P 500 Closing Index Value 2529.19  

17-March-2020

 

Ameriprise® Installment Certificate

Rates as of March 25, 2020

Effective Annual Yield
3 months 0.70%