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Ameriprise® Certificates

Key Points

  • Ameriprise Financial offers a variety of Certificates to help build cash reserves and provide guaranteed income.
  • Certificates offer guaranteed rates and principal, no account fees,1 and flexible investment options.
  • Low investment minimums start at just $50 per month.

Featured Certificate rates

Rates as of: February 28, 2024

4.80%*

3 months

4.85%*

6 months

4.50%*

12 months

4.55%*

18 months

Under $100,000

*Effective annual yield

Your cash has potential

A strong cash strategy helps to build the foundation of a secure financial future. Learn how to build and maintain a cash reserve and more.

Choose the certificate that's right for you

You can select from three certificates, each designed to meet different needs. No matter which you choose, you’ll enjoy competitive certificate rates and flexible terms. An Ameriprise financial advisor can help you choose the certificate that aligns with your goals.

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.

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

Certificates are backed by reserves of cash and qualified assets on deposit of Ameriprise Certificate Company and are not federally or FDIC insured, and include investment risk, including possible loss of principal. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. These assets have risks, including credit risk, interest rate risk, prepayment and extension risk.

As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company will (absent exclusion or exemption) be 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. Compliance with bank holding company laws and regulation could impact the structure and availability of certain of our products and our costs in providing those products. Costs of compliance may be driven by how these laws and regulations and the scale of Ameriprise Bank evolves over the course of time.

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.

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

Certificates are backed by reserves of cash and qualified assets on deposit of Ameriprise Certificate Company and are not federally or FDIC insured, and include investment risk, including possible loss of principal. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. These assets have risks, including credit risk, interest rate risk, prepayment and extension risk.

As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company will (absent exclusion or exemption) be 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. Compliance with bank holding company laws and regulation could impact the structure and availability of certain of our products and our costs in providing those products. Costs of compliance may be driven by how these laws and regulations and the scale of Ameriprise Bank evolves over the course of time.

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 reserves of cash and qualified assets on deposit of Ameriprise Certificate Company and are not federally or FDIC insured, and include investment risk, including possible loss of principal. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. These assets have risks, including credit risk, interest rate risk, prepayment and extension risk.

As a subsidiary of Ameriprise Financial, Inc., Ameriprise Certificate Company will (absent exclusion or exemption) be 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. Compliance with bank holding company laws and regulation could impact the structure and availability of certain of our products and our costs in providing those products. Costs of compliance may be driven by how these laws and regulations and the scale of Ameriprise Bank evolves over the course of time.

1There are no fees to open or maintain an account. Other account fees or expenses may apply.
2If you purchase this certificate for an IRA, early withdrawals or cash payments of interest taken prematurely may be subject to IRS tax and penalty. It may reduce the amount payable at maturity or the amount received upon an early withdrawal.
You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. Download a free prospectus, which contains this and other important information about our certificates. Read the prospectus carefully before you invest.
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. 
Ameriprise Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

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