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Certificate Rates
Limited Time Promotional Certificate Offer
Until June 30, Ameriprise Financial is offering a promotional, nonqualified 7-month Ameriprise® Flexible Savings Certificate with an annual percentage yield (APY) of 0.35% for eligible deposits1.
- The promotional certificate must be funded from an external source via check, ACH or wire transfer
- Tax-qualified certificate accounts and internal transfers from Ameriprise brokerage accounts, Ameriprise certificate products or any Ameriprise affiliate are not eligible for the promotion.
- More details available below and with the Promotion Overview
Ameriprise® Certificates
Ameriprise® Certificates offer guaranteed principal, various terms and competitive rates. They can be an ideal way to build your cash reserves.
Printer-friendly certificates rate sheet
Featured Certificate rates
Rates as of: April 21, 2021
0.05%*
6 months
0.35%*
7 months
0.10%*
12 months
Under $100,000
*Effective annual yield
Ameriprise® Flexible Savings Certificate
Rates as of April 21, 2021
| Investment Amount | New Purchases | Renewals | ||
|---|---|---|---|---|
| Under $100,000 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 3 months | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 months | 0.05% | 0.05% | 0.05% | 0.05% |
| 7-month Promotion1 | 0.35% | 0.35% | N/A | N/A |
| 7 months1 | 0.10% | 0.10% | N/A | N/A |
| 9 months | 0.10% | 0.10% | 0.10% | 0.10% |
| 12 months | 0.10% | 0.10% | 0.10% | 0.10% |
| 18 months | 0.15% | 0.15% | 0.15% | 0.15% |
| 24 months | 0.15% | 0.15% | 0.15% | 0.15% |
| 30 months | 0.20% | 0.20% | 0.20% | 0.20% |
| 36 months | 0.20% | 0.20% | 0.20% | 0.20% |
| $100,000 and above2 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 3 months | 0.10% | 0.10% | 0.10% | 0.10% |
| 6 months | 0.10% | 0.10% | 0.10% | 0.10% |
| 7-month Promotion1 | 0.35% | 0.35% | N/A | N/A |
| 7 months1 | 0.10% | 0.10% | N/A | N/A |
| 9 months | 0.15% | 0.15% | 0.15% | 0.15% |
| 12 months | 0.15% | 0.15% | 0.15% | 0.15% |
| 18 months | 0.20% | 0.20% | 0.20% | 0.20% |
| 24 months | 0.20% | 0.20% | 0.20% | 0.20% |
| 30 months | 0.25% | 0.25% | 0.25% | 0.25% |
| 36 months | 0.25% | 0.25% | 0.25% | 0.25% |
| $1,000,000 to $5,000,0002 | ||||
| Interest Rate | Effective Annual Yield | Interest Rate | Effective Annual Yield | |
| 13 months | 0.35% | 0.35% | N/A | N/A |
Ameriprise® Cash Reserve Certificate
Rates as of April 21, 2021
| Balance Amount | Interest Rate | Effective Annual Yield |
|---|---|---|
| Under $10,000 | 0.01% | 0.01% |
| Between $10,000 and $24,999 | 0.01% | 0.01% |
| $25,000 and above | 0.01% | 0.01% |
Ameriprise® Step-Up Rate Certificate
Rates as of April 21, 2021
Note: The Step-Up Rate Certificate product closed to new sales on 4/1/2020.
| Term | Renewals/Step-Up Rate | |
|---|---|---|
| Interest Rate3 | Effective Annual Yield | |
| 2 Year | 0.35% | 0.35% |
| 3 Year | 0.40% | 0.40% |
| 4 Year | 0.35% | 0.35% |
Ameriprise® Stock Market Certificate
| Full Participation Effective for Terms Starting: April 28, 2021 |
Partial Participation Effective for Terms Starting: April 28, 2021 |
Full Participation Effective for Terms Starting: May 5, 2021 |
Partial Participation Effective for Terms Starting: May 5, 2021 |
|
|---|---|---|---|---|
| Maximum Return - 52 week term | 0.20% | 0.20% | 0.20% | 0.20% |
| Minimum Return - 52 week term | 0.00% | 0.05% | 0.00% | 0.05% |
| Maximum Return - 104 week term | 0.70% | 0.70% | 0.70% | 0.70% |
| Minimum Return - 104 week term | 0.00% | 0.05% | 0.00% | 0.05% |
| Maximum Return - 156 week term | 1.35% | 1.35% | 1.35% | 1.35% |
| Minimum Return - 156 week term | 0.00% | 0.10% | 0.00% | 0.10% |
| Full Participation | Partial Participation | Effective Date | |
|---|---|---|---|
| Market Participation - all terms | 100% | 25% | |
| Interim Interest Rate4 | 0.10% | 28-April-2021 | |
| 0.10% | 5-May-2021 | ||
| S&P 500 Closing Index Value | 4141.59 | 13-April-2021 |
Ameriprise® Installment Certificate
Rates as of April 21, 2021
| Effective Annual Yield | |
|---|---|
| 3 months | 0.25% |
1 $10,000 minimum investment required for 7-Month Certificate. Automatically renews to 6-Month term. For the promotional certificate only: Eligible deposits are defined as deposits from external sources made to a promotional Ameriprise Certificate after March 31, 2021 and through June 30, 2021. The promotional, nonqualified 7-month Ameriprise Flexible Savings Certificate offer may be withdrawn at any time and is subject to change without notice. Restrictions apply and tax-qualified certificate accounts are not eligible for this promotion.
2 Pre-approval required for all certificates in amounts of $2M or greater. 13-month certificate ($1,000,000 minimum investment) automatically renews to 12-Month term.
3 Certificate holders electing to step up will receive the higher of the current Interest Rate/Step-Up Rate (with corresponding yield) or the Guaranteed Minimum Step-Up Rate. Refer to the prospectus or renewal letter for a description of the Guaranteed Minimum Step-Up Rate. Should the Guaranteed Minimum Step-Up Rates ever be higher than the corresponding current interest rates, the guaranteed rate (or corresponding yield) information will be displayed here.
4 When your application is accepted, we pay interim interest to your account for the time before your first term begins. We also pay interim interest for the 14-day period between terms unless you write or call to ask us to begin your next term earlier.
See prospectus for important product-specific information including possible penalties for early withdrawal.
Rates apply to initial term of certificate and may be higher or lower for future terms, and are subject to change each week. (For the Ameriprise Flexible Savings Certificate, Cash Reserve Certificate, Installment Certificate and Step Up Rate Certificate, your rate will be the higher of the rate in effect on the date your application is accepted by Ameriprise Certificate Company and funds are received, or the rate in effect seven days before that date.) Your confirmation statement will show the actual rate for your certificate.
Rates subject to daily change. Not all rate updates occur simultaneously.
Ameriprise Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Ameriprise® Certificates are not federally or FDIC insured and involve investment risks including possible loss of principal.
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.
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.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.