Ameriprise Bank Certificate of Deposit
Earn 3.75% Annual Percentage Yield (APY), then bundle and boost to get 4.25% APY1
Offer available to Ameriprise Financial clients with a relationship balance of $50,000 or more.
Step 1: Earn 3.75% APY when you open an Ameriprise® Bank 7-month CD with $1,000 or more of new money.
Step 2: Deposit or maintain $3,500 or more in a new or existing Ameriprise® Bank Checking Account to get a 0.50% APY boost in your CD.1
Step 3: The CD begins earning 4.25% APY one business day after you complete the activities above.
Plus, unlock a $400 checking bonus when you make qualifying deposits.2 Learn more.
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-, 7-3 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.4,5,6,7,8
Current CD rates
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Standard Rate4 |
Relationship Rate5 |
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|---|---|---|---|---|
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Term Length |
Standard Interest Rate4 |
Annual Percentage Yield4 |
Relationship Interest Rate5 |
Annual Percentage Yield5 |
| 3 Months | 0.50% | 0.50% | 2.71% | 2.75% |
| 6 Months | 0.50% | 0.50% | 2.81% | 2.85% |
| 7 Months1 | 0.50% | 0.50% | 3.68% | 3.75% |
| 12 Months | 0.50% | 0.50% | 2.71% | 2.75% |
1Limited Time Offer. See Promotional Rate Boost terms below
Benefits of an Ameriprise Bank Certificate of Deposit
Your funds are FDIC insured7 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.8
Lock in a rate so you know exactly how much interest you will earn. Early withdrawal penalties may apply.1,2,3,4
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.
1Promotional Rate Boost Offer Terms and Conditions
To receive the promotional rate boost of 0.50% (“Boost”) on a 7-Month Ameriprise® Bank Certificate of Deposit ("CD"), you must satisfy all of the following requirements (“Eligibility Requirements”):
1. Qualify for relationship rate pricing (see qualifications detailed herein)
2. Open a new 7-month CD with at least $1,000.00 in New Money from September 30, 2026 through December 31, 2026 (the “Offer Period”).
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New Money means funds not currently on deposit with Ameriprise Bank, FSB and its affiliates. Funds transferred from existing Ameriprise Bank deposit accounts or from Ameriprise Financial Services, LLC (“AFS”) accounts do not qualify as New Money.
3. Maintain a daily balance of at least $3,500.00 within a new or existing Ameriprise® Bank Checking Account ("Checking Account") throughout the CD term.
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The CD and Checking Account must share at least one common account owner.
The Boost will be applied and accrued on the next business day after all Eligibility Requirements have been met. Until such Eligibility Requirements are met, the CD will accrue interest beginning on the CD funding date at the 7-month CD relationship rate in effect at the time. Eligibility Requirements will be determined by Ameriprise Bank, FSB (the “Bank”) in its sole discretion.
If at any time while receiving the Boost any of the Eligibility Requirements are no longer being met, the CD will no longer receive the Boost and will accrue interest beginning the next business day at the 7-month CD relationship rate in effect at CD funding for the remainder of the 7-month CD term. Any interest accrued prior to termination of the Boost will be credited as detailed in the Ameriprise Bank, FSB Deposit Account Agreement. If the Boost is terminated it will not be reinstated.
Limit one Boost per client or household group. Other restrictions may apply. We reserve the right to modify or withdraw this offer at any time without notice. If we determine that you engaged in account abuse, gaming, or fraud related to this offer, you will not be eligible for any Promotional Rate CDs.
The terms, conditions, fee and features of the Ameriprise Bank Certificate of Deposit may change. For additional terms and conditions of Ameriprise Bank Certificate of Deposit, please see Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure at ameriprise.com/disclosures or on the secure site.
2Checking Bonus Terms and Conditions: To receive the checking bonus, you must do all of the following:
1) Open a new Ameriprise® Bank Checking Account (“Checking Account’) from October 1, 2026.
2) Receive Qualifying Direct Deposits and/or Qualifying Deposits to your new Checking Account that total at least $1,500 within 90 calendar days of opening your account.
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Direct deposits must be set up using the Ameriprise Bank, FSB routing number and your Checking Account number, which can be found in your Checking Account information on the secure site on ameriprise.com or the Ameriprise Financial app.
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You may make multiple Qualifying Direct Deposits and/or Qualifying Deposits to reach the $1,500.
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Qualifying Direct Deposits are new recurring deposits from your employer, payroll, pension or government benefits provider via Automated Clearing House (ACH). Deposits that are not considered Qualifying Direct Deposits include, but are not limited to, check deposits, peer-to-peer transfers such as Venmo or Zelle®, merchant transactions, wire transfers, internal transfers and ACH transfers not from an employer or government agency. We may determine what qualifies as a direct deposit based on ACH codes or other indicators.
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Qualifying Deposits are Required Minimum Distribution deposits from your Ameriprise Financial Traditional IRAs, Rollover IRAs, SEP IRAs, SIMPLE IRAs, 401(k) plans, 403(b) plans, 457(b) plans, and Inherited IRAs.
This offer is only available to existing Ameriprise Financial investment clients and employees of Ameriprise Financial, Inc. and its affiliates. To remain eligible, your Checking Account must be open and in good standing when the bonus is credited to your Checking Account. Limit one checking bonus per Group ID as shown on the secure site. Clients who have previously received any Ameriprise Bank Checking Account bonus are not eligible for this offer. If you meet all requirements, we will credit the bonus to your new Checking Account within 14 business days after the total of at least $1,500 in Qualifying Direct Deposits and/or Qualifying Deposits posts to your Checking Account.
The credited bonus will be reported as interest on IRS Form 1099-INT. You are responsible for any applicable taxes. Please consult your tax advisor; neither Ameriprise Bank, FSB nor its employees provide tax advice.
Other restrictions may apply. We reserve the right to modify or withdraw this offer at any time without notice. If we determine you engaged in abuse, gaming, or fraud related to this offer, you will not be eligible for a bonus.
The Ameriprise Bank Checking Account requires a $25 minimum opening deposit.
All Account terms, conditions, fees, rates and opening procedures apply. For details, please see the Ameriprise Bank, FSB Deposit Account Agreement, Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure and Ameriprise Bank Checking Account Rates at ameriprise.com.
3The 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.
3The 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.
4Standard Annual Percentage Yield (“APY”) and standard interest rate are accurate as of 10/21/2026. 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.
5Relationship Annual Percentage Yield ("APY") and relationship interest rate are accurate as of 10/21/2026. 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).
6There 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.
7If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919. If you are not a current client of Ameriprise, click here to apply.
8Ameriprise® 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.
9For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.
10Eligibility 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.
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 and AFS are subsidiaries of Ameriprise Financial, Inc. Your Ameriprise advisor may earn compensation in connection with the Ameriprise Bank products that you choose to open.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Ameriprise Bank, FSB. Member FDIC.
Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.
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