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 Feb. 12, 2020

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.95% 0.95% 0.95% 0.95%
6 months 1.05% 1.05% 1.05% 1.05%
7 months1 1.05% 1.05% N/A N/A
9 months 1.05% 1.05% 1.05% 1.05%
12 months 1.05% 1.05% 1.05% 1.05%
18 months 1.10% 1.10% 1.10% 1.10%
24 months 1.10% 1.10% 1.10% 1.10%
30 months 1.15% 1.15% 1.15%

1.15%

36 months 1.25% 1.25% 1.25% 1.25%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.00% 1.00% 1.00% 1.00%
6 months 1.10% 1.10% 1.10% 1.10%
7 months1 1.10% 1.10% N/A N/A
9 months 1.10% 1.10% 1.10% 1.10%
12 months 1.10% 1.10% 1.10% 1.10%
18 months 1.15% 1.15% 1.15% 1.15%
24 months 1.15% 1.15% 1.15% 1.15%
30 months 1.20% 1.20% 1.20% 1.20%
36 months 1.30% 1.30% 1.30% 1.30%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 1.30% 1.30% N/A N/A

Ameriprise® Cash Reserve Certificate

Rates as of Feb. 12, 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 Feb. 12, 2020

Term New Purchases/Renewals
  Interest Rate/Step-Up Rate3 Effective Annual Yield
2 Year 0.85% 0.85%
3 Year 0.90% 0.90%
4 Year 1.20% 1.20%

Ameriprise® Stock Market Certificate

 

Full Participation
Effective for Terms Starting:
Feb. 19, 2020

Partial Participation
Effective for Terms Starting:
Feb. 19, 2020
Full Participation
Effective for Terms Starting:
Feb. 26, 2020
Partial Participation
Effective for Terms Starting:
Feb. 26, 2020
Maximum Return - 52 week term 1.40% 1.40% 1.40% 1.40%
Minimum Return - 52 week term 0.00% 0.20% 0.00% 0.20%
Maximum Return - 104 week term 3.20% 3.20% 3.20% 3.20%
Minimum Return - 104 week term 0.00% 0.55% 0.00% 0.55%
Maximum Return - 156 week term 6.15% 6.15% 6.15% 6.15%
Minimum Return - 156 week term 0.00% 1.20% 0.00% 1.20%

 

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

19-Feb-2020

0.35%   26-Feb-2020
S&P 500 Closing Index Value 3297.59  

4-Feb-2020

 

Ameriprise® Installment Certificate

Rates as of Feb. 12, 2020

Effective Annual Yield
3 months 0.90%