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 Aug. 12, 2020

Investment Amount New Purchases Renewals
Under $100,000
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.05% 0.05% 0.05% 0.05%
6 months 0.10% 0.10% 0.10% 0.10%
7 months1 0.10% 0.10% N/A N/A
9 months 0.15% 0.15% 0.15% 0.15%
12 months 0.15% 0.15% 0.15% 0.15%
18 months 0.25% 0.25% 0.25% 0.25%
24 months 0.25% 0.25% 0.25% 0.25%
30 months 0.30% 0.30% 0.30%

0.30%

36 months 0.35% 0.35% 0.35% 0.35%
$100,000 and above2
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
3 months 0.10% 0.10% 0.10% 0.10%
6 months 0.15% 0.15% 0.15% 0.15%
7 months1 0.15% 0.15% N/A N/A
9 months 0.20% 0.20% 0.20% 0.20%
12 months 0.20% 0.20% 0.20% 0.20%
18 months 0.30% 0.30% 0.30% 0.30%
24 months 0.30% 0.30% 0.30% 0.30%
30 months 0.35% 0.35% 0.35% 0.35%
36 months 0.40% 0.40% 0.40% 0.40%
$1,000,000 to $5,000,0002
  Interest Rate Effective Annual Yield Interest Rate Effective Annual Yield
13 months 0.40% 0.40% N/A N/A

Ameriprise® Cash Reserve Certificate

Rates as of Aug. 12, 2020

Balance Amount Interest Rate Effective Annual Yield
Under $10,000 0.05% 0.05%
Between $10,000 and $24,999 0.05% 0.05%
$25,000 and above 0.05% 0.05%

Ameriprise® Step-Up Rate Certificate

Rates as of Aug. 12, 2020

Note: The Step-Up Rate Certificate product closed to new sales on 4/1/2020.

Term Renewals/Step-Up Rate
  Interest Rate3 Effective Annual Yield
2 Year 0.45% 0.45%
3 Year 0.50% 0.50%
4 Year 0.45% 0.45%

Ameriprise® Stock Market Certificate

 

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

Partial Participation
Effective for Terms Starting:
Aug. 19, 2020
Full Participation
Effective for Terms Starting:
Aug. 26, 2020

Partial Participation
Effective for Terms Starting:
Aug. 26, 2020

Maximum Return - 52 week term 0.35% 0.35% 0.35% 0.35%
Minimum Return - 52 week term 0.00% 0.05% 0.00% 0.05%
Maximum Return - 104 week term 1.00% 1.00% 1.00% 1.00%
Minimum Return - 104 week term 0.00% 0.05% 0.00% 0.05%
Maximum Return - 156 week term 2.30% 2.30% 2.30% 2.30%
Minimum Return - 156 week term 0.00% 0.20% 0.00% 0.20%

 

  Full Participation Partial Participation Effective Date
Market Participation - all terms 100% 25%  
Interim Interest Rate4 0.15%  

19-Aug-2020

0.15%   26-Aug-2020
S&P 500 Closing Index Value 3306.51  

4-Aug-2020

 

Ameriprise® Installment Certificate

Rates as of Aug. 12, 2020

Effective Annual Yield
3 months 0.51%