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. 15, 2020

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.05% 1.05% 1.05% 1.05%
6 months 1.15% 1.15% 1.15% 1.15%
7 months1 1.15% 1.15% N/A N/A
9 months 1.20% 1.20% 1.20% 1.20%
12 months 1.20% 1.20% 1.20% 1.20%
18 months 1.25% 1.25% 1.25% 1.25%
24 months 1.25% 1.25% 1.25% 1.25%
30 months 1.30% 1.30% 1.30%

1.30%

36 months 1.40% 1.40% 1.40% 1.40%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.10% 1.10% 1.10% 1.10%
6 months 1.20% 1.20% 1.20% 1.20%
7 months1 1.20% 1.20% N/A N/A
9 months 1.25% 1.25% 1.25% 1.25%
12 months 1.25% 1.25% 1.25% 1.25%
18 months 1.30% 1.30% 1.30% 1.30%
24 months 1.30% 1.30% 1.30% 1.30%
30 months 1.35% 1.35% 1.35% 1.35%
36 months 1.45% 1.45% 1.45% 1.45%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 1.45% 1.45% N/A N/A

Ameriprise® Cash Reserve Certificate

Rates as of Jan. 15, 2020

Balance Amount Interest Rate Effective Annual Yield
Under $10,000 0.80% 0.80%
Between $10,000 and $24,999 0.85% 0.85%
$25,000 and above 0.85% 0.85%

Ameriprise® Step-Up Rate Certificate

Rates as of Jan. 15, 2020

Term New Purchases/Renewals
  Interest Rate/Step-Up Rate3 Effective Annual Yield
2 Year 1.00% 1.00%
3 Year 1.05% 1.05%
4 Year 1.20% 1.20%

Ameriprise® Stock Market Certificate

 

Full Participation
Effective for Terms Starting:
Jan. 22, 2020

Partial Participation
Effective for Terms Starting:
Jan. 22, 2020
Full Participation
Effective for Terms Starting:
Jan. 29, 2020
Partial Participation
Effective for Terms Starting:
Jan. 29, 2020
Maximum Return - 52 week term 1.75% 1.75% 1.75% 1.75%
Minimum Return - 52 week term 0.00% 0.25% 0.00% 0.25%
Maximum Return - 104 week term 3.75% 3.75% 3.75% 3.75%
Minimum Return - 104 week term 0.00% 0.60% 0.00% 0.60%
Maximum Return - 156 week term 7.00% 7.00% 7.00% 7.00%
Minimum Return - 156 week term 0.00% 1.25% 0.00% 1.25%

 

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

22-Jan-2020

0.35%   19-Jan-2020
S&P 500 Closing Index Value 3237.18  

7-Jan-2020

 

Ameriprise® Installment Certificate

Rates as of Jan. 15, 2020

Effective Annual Yield
3 months 0.95%