Ameriprise®Certificates

Do you have enough cash to meet your short-term needs? Or have cash for an emergency?

The Ameriprise Cash Reserve Certificate is ideal for building and maintaining cash reserves.

• Guaranteed rates for 3 months at a time
• Low investment minimum of $1,000 lump sum or $50 per month
• No withdrawal penalties²
• Add or withdraw money through the secure site on ameriprise.com

Building an accessible cash reserve is a smart way to meet day-to-day needs and help prepare for the unexpected. Ameriprise Cash Reserve Certificates offer a winning combination of principal protection, competitive returns, and liquidity to help you fund today’s needs while saving for tomorrow’s dreams.

• Learn more about Ameriprise Cash Reserve Certificates

Pre-approval required for all certificates in amounts of $2,000,000 or greater.

Certificates are backed by the assets of Ameriprise Certificate Company (ACC).  ACC is not a bank, and the securities it offers are not deposits or obligations of, or backed or guaranteed or endorsed by, any bank or financial institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Federal Reserve Board or any other agency.   Although ACC’s qualified assets on deposit currently exceed the deposit amounts required by applicable regulations, if there are losses on ACC’s assets, ACC may not have sufficient resources to meet its obligations, including making interest and/or principal payments on your certificates.  Most of ACC's assets are debt securities and are subject to risks including credit risk, interest rate risk and prepayment and extension risk.

As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company (ACC) is (absent exclusion or exemption) required to comply with certain limits on its activity, including investment and/or trading limitations on its portfolio and other limitations under applicable banking laws. Failure to meet one or more of certain requirements and regulations would mean, depending on the requirements not met and any agreement then reached with the Board of Governors for the Federal Reserve System, that Ameriprise Financial (and therefore ACC) could not undertake new activities, continue certain activities, or make certain acquisitions until such violation is cured.

Do you know what your cash is earning?

This fixed-rate investment offers attractive returns with a set interest rate.

• Term lengths range from 3 to 36 months
• Low investment minimum of $1,000
• Add up to 25% of the initial investment or renewal amount during the term
• Withdraw credited interest and up to 10% of your principal during the term without penalty.² A 2% surrender charge applies on withdrawals above that amount

The Ameriprise Flexible Savings Certificate can also provide a predictable return and help you generate a reliable income stream. Balance your needs for liquidity and yield by laddering the terms to earn a higher rate of return.

• Learn more about the Ameriprise Flexible Savings Certificate
• Find out how laddering strategies may work for you

Pre-approval required for all certificates in amounts of $2,000,000 or greater.

Certificates are backed by the assets of Ameriprise Certificate Company (ACC).  ACC is not a bank, and the securities it offers are not deposits or obligations of, or backed or guaranteed or endorsed by, any bank or financial institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Federal Reserve Board or any other agency.   Although ACC’s qualified assets on deposit currently exceed the deposit amounts required by applicable regulations, if there are losses on ACC’s assets, ACC may not have sufficient resources to meet its obligations, including making interest and/or principal payments on your certificates.  Most of ACC's assets are debt securities and are subject to risks including credit risk, interest rate risk and prepayment and extension risk. 

As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company (ACC) is (absent exclusion or exemption) required to comply with certain limits on its activity, including investment and/or trading limitations on its portfolio and other limitations under applicable banking laws. Failure to meet one or more of certain requirements and regulations would mean, depending on the requirements not met and any agreement then reached with the Board of Governors for the Federal Reserve System, that Ameriprise Financial (and therefore ACC) could not undertake new activities, continue certain activities, or make certain acquisitions until such violation is cured.  

Are you looking for ways to build your cash over time?

An Ameriprise^® Installment Certificate offers guaranteed interest rates and can help you achieve longer-term cash accumulation goals systematically with automatic monthly contributions of as little as $50 per month.

• 2% surrender charge will apply for withdrawals of principal within the first 3 years of initial purchase
• Low investment minimum of $50 per month
• Earn a fixed rate of interest declared every three months
• Invest systematically to build your cash reserve

For more information view the Ameriprise Certificates at a glance

Certificates are backed by the assets of Ameriprise Certificate Company (ACC).  ACC is not a bank, and the securities it offers are not deposits or obligations of, or backed or guaranteed or endorsed by, any bank or financial institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Federal Reserve Board or any other agency.   Although ACC’s qualified assets on deposit currently exceed the deposit amounts required by applicable regulations, if there are losses on ACC’s assets, ACC may not have sufficient resources to meet its obligations, including making interest and/or principal payments on your certificates.  Most of ACC's assets are debt securities and are subject to risks including credit risk, interest rate risk and prepayment and extension risk.

As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company (ACC) is (absent exclusion or exemption) required to comply with certain limits on its activity, including investment and/or trading limitations on its portfolio and other limitations under applicable banking laws. Failure to meet one or more of certain requirements and regulations would mean, depending on the requirements not met and any agreement then reached with the Board of Governors for the Federal Reserve System, that Ameriprise Financial (and therefore ACC) could not undertake new activities, continue certain activities, or make certain acquisitions until such violation is cured.