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 July 17, 2019

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.59% 1.60% 1.59% 1.60%
6 months 1.69% 1.70% 1.69% 1.70%
7 months1 1.69% 1.70% N/A N/A
9 months 1.69% 1.70% 1.69% 1.70%
12 months 1.64% 1.65% 1.64% 1.65%
18 months 1.64% 1.65% 1.64% 1.65%
24 months 1.64% 1.65% 1.64% 1.65%
30 months 1.69% 1.70% 1.69%

1.70%

36 months 1.79% 1.80% 1.79% 1.80%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 1.64% 1.65% 1.64% 1.65%
6 months 1.74% 1.75% 1.74% 1.75%
7 months1 1.74% 1.75% N/A N/A
9 months 1.74% 1.75% 1.74% 1.75%
12 months 1.69% 1.70% 1.69% 1.70%
18 months 1.69% 1.70% 1.69% 1.70%
24 months 1.69% 1.70% 1.69% 1.70%
30 months 1.74% 1.75% 1.74% 1.75%
36 months 1.84% 1.85% 1.84% 1.85%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 1.89% 1.90% N/A N/A

Ameriprise® Cash Reserve Certificate

Rates as of July 17, 2019

Balance Amount Interest Rate Effective Annual Yield
Under $10,000 1.15% 1.15%
Between $10,000 and $24,999 1.20% 1.20%
$25,000 and above 1.20% 1.20%

Ameriprise® Step-Up Rate Certificate

Rates as of July 17, 2019

Term New Purchases/Renewals
  Interest Rate/Set-Up Rate3 Effective Annual Yield
2 Year 1.40% 1.40%
3 Year 1.45% 1.45%
4 Year 1.40% 1.40%

Ameriprise® Stock Market Certificate

 

Full Participation
Effective for Terms Starting:
July 24, 2019

Partial Participation
Effective for Terms Starting:
July 24, 2019
Full Participation
Effective for Terms Starting:
July 31, 2019
Partial Participation
Effective for Terms Starting:
July 31, 2019
Maximum Return - 52 week term 2.50% 2.50% 2.50% 2.50%
Minimum Return - 52 week term 0.00% 0.45% 0.00% 0.45%
Maximum Return - 104 week term 5.50% 5.50% 5.50% 5.50%
Minimum Return - 104 week term 0.00% 1.10% 0.00% 1.10%
Maximum Return - 156 week term 10.50% 10.50% 10.50% 10.50%
Minimum Return - 156 week term 0.00% 2.35% 0.00% 2.35%

 

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

24-July-19

0.35%   31-July-19
S&P 500 Closing Index Value 2979.63  

09-July-19

 

Ameriprise® Installment Certificate

Rates as of July 17, 2019

Effective Annual Yield
3 months 1.40%