Skip to main content Skip to Login Skip to Find An Advisor Skip to footer

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, and flexible investment options.
  • Low investment minimums start at just $50 per month.

Featured Certificate rates

Rates as of: May 24, 2023

Ameriprise® Flexible Savings Certificate rates

4.50%*

3 months

4.80%*

6 months

4.40%*

12 months

Under $100,000

4.50%*1

13 months

$1,000,000 to $5,000,000

*Effective annual yield

Your cash has potential

A strong cash strategy is 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 four 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 penalties
  • 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.

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. 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.

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 interested in protecting your principal while participating in potential gains in the stock market?

This certificate offers interest tied to the potentially higher returns of the stock market.

  • Withdrawals during term subject to 2% surrender charge
  • Participate in any increase of the stock market based on the S&P 500 Index2 while protecting your principal, up to a maximum return
  • Your investment is guaranteed so you will not lose principal if the stock market declines
  • Options include 1-year, 2-year, and 3-year term certificates

The Ameriprise Stock Market Certificate is ideal for those who want savings set aside for specific goals. Balance your needs for liquidity and yield by laddering the terms to earn a potentially higher rate of return.

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.
related information

Six keys to more successful investing

Read about liquidity, asset allocation, volatility and other keys to successful investing at Ameriprise Financial.

Certificates at a Glance brochure

Help simplify your finances with an Ameriprise ONE® Financial Account

1Pre-approval required for all certificates in amounts of $2M or greater. 13-month certificate (S1.000.000 minimum investment) automatically renews to 12-Month term.
2 S&P 500 is a trademark of the McGraw-Hill Companies, Inc. This trademark has been licensed for use by Ameriprise Financial, Inc. The Ameriprise Stock Market Certificate is not sponsored, endorsed, sold or promoted by Standard & Poor’s or any of their subsidiaries or affiliates (the “Licensors”), and the Licensors make no representation regarding the advisability of investing in the product. The Standard & Poor’s 500 Index (S&P 500 Index), an unmanaged index of common stocks, is frequently used as a general measure of market performance. The Index reflects reinvestment of all distributions and changes in market prices but excludes brokerage commissions or other fees. It is not possible to invest directly in an index.
Stock Market Certificate holders may have taxable income each year that they own the certificate, even if they do not receive an interest payment during the year. See the prospectus for additional tax information, and consult your tax advisor before purchasing a Stock Market Certificate in a taxable account.
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.

Back to topTop