Ameriprise Bank Certificate of Deposit
Maximize the impact of your cash balances with locked in rates
Take advantage of predictable earnings and low risk with an Ameriprise® Bank Certificate of Deposit (CD). Use this savings tool to lock in your funds for a set period of time at a fixed interest rate. Available in 3-, 6-, 7-1 and 12-month terms, CDs offer you a trusted, convenient way to manage your cash and support your savings goals.
Open an Ameriprise Bank CD today and get started with a $1,000 minimum opening deposit.2,3,7
Gain peace of mind with a CD that offers a fixed rate, low risk and guaranteed return over time.
Gain peace of mind with a CD that offers a fixed rate, low risk and guaranteed return over time.
Benefits of an Ameriprise Bank Certificate of Deposit
Your funds are FDIC insured5 up to applicable limits.
Ameriprise Bank offers custom solutions so you can feel confident and in control of your savings goals.
Review the progress toward your goals in one convenient place. View your investments and Ameriprise Bank products on the secure site on ameriprise.com or the Ameriprise Financial app.6
Lock in a rate so you know exactly how much interest you will earn. Early withdrawal penalties may apply.1,2,3,7
Gain peace of mind with a CD that offers a fixed rate, low risk and guaranteed return over time.
Gain peace of mind with a CD that offers a fixed rate, low risk and guaranteed return over time.
Disclosures:
The content of this page is for informational purposes only.
Ameriprise® Bank Certificate of Deposit accounts are subject to approval. Other terms and conditions apply. The terms, conditions, fees and features of the Ameriprise Bank Certificate of Deposit accounts may change. For terms and conditions of Ameriprise Bank Certificate of Deposit account, please see Ameriprise Bank, FSB Deposit Account Agreement.
1The 7-month term rate is applicable to the initial term only. At maturity, the 7-month term CD automatically renews to a 6-month term at the interest rate and annual percentage yield (APY) in effect on the maturity date. The 7-month CD is a term that only accepts new money from external sources outside of Ameriprise Bank, FSB and its affiliates.
2Standard Annual Percentage Yield (“APY”) and standard interest rate are accurate as of 12/03/2025. The standard rates may change in our sole discretion at any time without notice before an Ameriprise Bank Certificate of Deposit (“CD”) account (“CD Account”) is opened or a CD Account renewal term begins. The standard rates are fixed for the term of the CD Account and will be determined at CD Account opening or renewal date. The standard APY and standard interest rate on your CD Account assume interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Interest is compounded daily and will be credited to your CD Account on the maturity date. Please see Ameriprise® Bank Certificate of Deposit Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information.
The minimum deposit required to open a CD Account and obtain the standard APY and standard interest rate is $1,000.
3Relationship Annual Percentage Yield ("APY") and relationship interest rate are accurate as of 12/03/2025. The relationship rates may change in our sole discretion at any time without notice before an Ameriprise Bank Certificate of Deposit (“CD”) account (“CD Account”) is opened or a CD Account renewal term begins. The relationship rates are fixed for the term of the CD Account and will be determined at CD Account opening or renewal date. The relationship APY and relationship interest rate on your CD Account assume interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Interest is compounded daily and will be credited to your CD Account on the maturity date. Please see Ameriprise Bank Certificate of Deposit Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information.
The minimum deposit required to open a CD Account and obtain the relationship APY and relationship interest rate is $1,000.
Eligibility for the Ameriprise Bank CD relationship rate requires $50,000 or more in household group balances including Ameriprise® Bank Savings Accounts, Ameriprise Bank Certificate of Deposit accounts, Ameriprise® Bank Checking Accounts, Ameriprise brokerage accounts and Ameriprise® Certificate accounts (“Ameriprise Accounts”) as of the prior month-end statement ("Relationship Status Requirements").
A household group consists of accounts owned by an individual, their spouse or domestic partner, and their unmarried children under the age of 21 who reside at the same address. The relationship status will be determined at CD Account opening only and will not be changed. Any subsequent CD Accounts opened after obtaining the Relationship Status Requirements may be eligible for the relationship APY. If you do not meet the Relationship Status Requirements, your CD Account will earn standard APY(s) and standard interest rate(s).
4If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919.
5For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.
6Eligibility requirements and restrictions apply. Wireless, message and data rates may apply. Please refer to Ameriprise Mobile Deposit Addendum, Ameriprise Bank, FSB Deposit Account Agreement and Mobile Deposit FAQ for information.
7There is a penalty for withdrawals prior to the maturity date of an Ameriprise Bank Certificate of Deposit account (“CD Account”). If the withdrawal occurs after 10 days of opening a CD Account, the early withdrawal penalty will be 3 months of interest. If the withdrawal occurs within the first 10 days of opening a CD Account including the day the CD Account was opened, the early withdrawal penalty will be 10 days of interest. We may not permit withdrawal if funds have not been credited to the CD Account. The amount of the early withdrawal penalty may be deducted from principal. Please see the Ameriprise Bank, FSB Deposit Agreement for more details.
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC (“AFS”).
Ameriprise Bank, FSB. Member FDIC.
Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.
© 2025 Ameriprise Financial, Inc. All rights reserved.